vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-28 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: LA

Complaint narrative:
My personal information was compromised as a result of breaches at Equifax and TransUnion. Fraudulent hard inquiries and unauthorized accounts have since appeared on my credit files with all three major credit reporting agencies : Equifax, TransUnion, and Experian. These accounts and inquiries are not mine and are the result of identity theft. I have attempted to resolve this matter with both the creditors and the credit reporting agencies, but they have refused to remove the fraudulent information. 

I also make clear that I adamantly refuse and do not consent to the placement of any consumer alerts, fraud alerts, extended fraud alerts, consumer statements, internal flags, or any hidden designations visible to creditors or CRAs but not visible to me. Such actions do more harm to me than the identity theft itself. If these measures are imposed despite this written refusal, I reserve the right to pursue litigation and seek substantial damages and fines.

Under USC 1681c-2 and FCRA 605b I am requesting an immediate removal and block of all fraudulent items listed here in. Numerous times, Equifax, Trans Union and Experian try to use the excuse that they cant do anything until they have 30 days to investigate. This is clear violation of federal law and not acceptable. It is not the burden of myself to wait 30 days. The removal one block must be placed once the appropriate documents and forms have been submitted to each of the agencies. At that time, the CRAs are welcome to investigate to find more information. Furthermore, the CRAs are in a second violation by informing me that I must get a letter of deletion from each of the creditors that have a hard inquiry on my report. Then submit that to them, and they would then look into removing the hard inquiry. I truly believe that these credit reporting agencies dont make up their own laws. They allow mid management to come up with whatever statements sound good at the time and to reduce the work they have to do. This is a shame and should be rectified post haste.

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 2025-09-28 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-28 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: NY

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. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15, U.S.C 1681 Section 604 A Section 2 : 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 explanation
Consumer complaint received 2025-09-28 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: NY

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. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15, U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: OH

Complaint narrative:
A fraudulent debt has been reported on my credit file by all three nationwide consumer reporting agencies ( Experian, Equifax, and TransUnion ). The account in question is being reported by XXXX XXXX XXXX with an alleged original creditor of XXXX XXXX XXXX XXXX in the amount of {$690.00}. 

This account is not mine. I never entered into any agreement with XXXX XXXX XXXX, nor did I authorize XXXX to open or transfer such an account. This is either a case of identity theft or inaccurate reporting of sold/assigned debt that does not belong to me. 



Details of Disputed Account Collection Agency : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account Number ( partial ) : XXXX Reported Balance : {$690.00} Date Opened ( per credit report ) : XX/XX/year> Status : Collection account, past due as of XX/XX/year> Violations / Issues 1. FCRA 602 ( A ) and 607 ( B ) The credit bureaus are required to maintain maximum possible accuracy of consumer credit reports. This account is fraudulent/inaccurate and has not been verified.

2. FCRA 609 ( a ) ( 1 ) I was never provided proper validation of this debt upon request.

3. FCRA 611 The bureaus are required to conduct a reasonable reinvestigation of disputed information, yet this account continues to report inaccurately.

4. FDCPA Violations The collection agency may also be in violation of the Fair Debt Collection Practices Act by attempting to collect a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: OH

Complaint narrative:
A fraudulent debt has been reported on my credit file by all three nationwide consumer reporting agencies ( Experian, Equifax, and TransUnion ). The account in question is being reported by XXXX XXXX XXXX with an alleged original creditor of XXXX XXXX XXXX XXXX in the amount of {$690.00}. 

This account is not mine. I never entered into any agreement with XXXX XXXX XXXX, nor did I authorize XXXX to open or transfer such an account. This is either a case of identity theft or inaccurate reporting of sold/assigned debt that does not belong to me. 



Details of Disputed Account Collection Agency : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account Number ( partial ) : XXXX Reported Balance : {$690.00} Date Opened ( per credit report ) : XX/XX/year> Status : Collection account, past due as of XX/XX/year> Violations / Issues 1. FCRA 602 ( A ) and 607 ( B ) The credit bureaus are required to maintain maximum possible accuracy of consumer credit reports. This account is fraudulent/inaccurate and has not been verified.

2. FCRA 609 ( a ) ( 1 ) I was never provided proper validation of this debt upon request.

3. FCRA 611 The bureaus are required to conduct a reasonable reinvestigation of disputed information, yet this account continues to report inaccurately.

4. FDCPA Violations The collection agency may also be in violation of the Fair Debt Collection Practices Act by attempting to collect a debt not owed.

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Opened Wells Fargo Checking account end of XXXX. I was promised {$320.00} checking bonus if applying online. Web page says it will automatically be applied. Now they say I didn't use bonus code. Web page says automatically after applying. I made the deposits needed withing 90 days. Getting nowhere. Please help!

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 2025-09-28 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: MI

Complaint narrative:
My credit report is showing some inaccurate and misleading information. It lists closed accounts, collections, and duplicate personal details that arent correct. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to make sure everything on my report is as accurate as possible ( XXXX ( b ) ) and to reinvestigate when I dispute something ( XXXX ). Ive already disputed these items, but theyre still being reported and continue to hurt my credit, making it harder for me to access fair credit opportunities.

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 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I got a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I put {$4500.00} down on a {$19000.00} vehicle. Then paid off {$12000.00} in XXXX yrs. I only owed about {$2.00} -- XXXX left on it when it got repossessed. It sold at auction for $ XXXX. I never received that extra amount owed to me. Then I found about about a lawsuit that I wasnt informed of. About the merging of Wells Fargo and another company and how they did the same thing to others that they did to me. Because the last loan payment I made, I was told, since its almost paid off, that they would reposess it if I missed a payment. But they did. How to I get compensating for these or this money I am owed?

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 2025-09-28 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: LEXISNEXIS
State: OK

Complaint narrative:
I recently did an investigation on my consumer report and I did not give permissible purpose for these accounts to report to my consumer report pursuant 15 USC 1681b ( a ) ( 2 ). Without my consent this is reporting fraudulently. You are committing FRAUD!!! Please remove these fraud accounts, fraud inquiries and fraud addresses from my consumer report! please remove these fraudulent accounts XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX, XXXX. XXXX XXXX XXXXXXXX Account number XXXX, XXXX. XXXX XXXX # XXXX, XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: TX

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting XXXX Account XXXX To Whom It May Concern : I am filing a formal complaint regarding inaccurate and unverifiable reporting of the following account on my credit report : Creditor Name : XXXX Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$980.00} Credit Bureau : Equifax / Experian This accoun

t is inaccurate, incomplete, and/or unverifiable, in violation of 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy.

I demand the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of investigation results.

3. Provide an updated credit report reflecting permanent deletion or correction. 
Enclosures : Credit report, prior dispute letters, supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
Hello, TO WHOM IT MAY CONCERN : My name is XXXX XXXX : I have never had a credit card before. I want to see my credit report. I also might be a victim of Identity Theft. 

I do not have a truck and I need a truck and something about {$100000.00} missing... 

Thank you for your concern, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-28 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: FL

Complaint narrative:
Hello, TO WHOM IT MAY CONCERN : My name is XXXX XXXX : I have never had a credit card before. I want to see my credit report. I also might be a victim of Identity Theft. 

I do not have a truck and I need a truck and something about {$100000.00} missing... 

Thank you for your concern, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-28 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: TX

Complaint narrative:
I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), as it indicates a failure to maintain reasonable procedures to ensure the maximum possible accuracy and confidentiality of consumer data.

Pursuant to my rights under FCRA {$600.00}, 607, 611, and the Gramm-Leach-Bliley Act, I am formally requesting the immediate deletion of any accounts, inquiries, or records that can not be fully and independently verified at the furnisher level.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is reporting a collection ( Acct # XXXX ) that has not been validated. I demanded validation, including : the original agreement bearing my wet/ink signature, a complete chain of assignment from the original creditor to Midland, a notarized affidavit by an authorized officer regarding ownership and balance accuracy, itemized accounting, and proof of legally required notices. Midland has not provided competent documentation but continues furnishing to XXXX. 

This conduct violates FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) and 807 ( 1692e ) and raises issues under FCRA 623 for furnishing inaccurate/unverifiable information. Unverified reporting also violates Metro 2 accuracy/completeness standards.

I have attached : ( 1 ) my dated validation/deletion demand to Midland, and ( 2 ) ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information is incorrect on my credit report. My correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Please delete these addresses that I have never lived at or XXXX belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number is : ( XXXX ) XXXX Please XXXX these numbers that I have never XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CO

Complaint narrative:
I loaded {$100.00} onto my cash app card, at my local XXXX store, that was under the account XXXX  and when I got home I realized I didn't have access to this account. I asked my roommate to send me {$5.00} so I could pull the money off of the cash app card and the ATM wouldn't allow me. I get home and immediately start chatting with a customer service representative from cash app, verify all my information, ask if there's anyway they can transfer the money from XXXX to XXXX and they say due to security reasons we are not authorized to complete this transfer, so the associate said they put in a complaint at the company for how much trouble I was going through to get my money back and was told a XXXX would email me. Well I received the email and was essentially told that I would have to go through their specific process for people to get unclaimed money in XXXX to 5 years!!!!! I can not wait XXXX to 5 years to do the escheatment process. I just want my money back and everyone would confirm that there was a balance on XXXX but no one would confirm the actual amount. So nobody has been able to help me get my {$100.00} XXXX  back still and it's been almost 2 months since I put in my initial complaint.

Company response to consumer: Closed with explanation