vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this 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 2025-09-08 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: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-08 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-08 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: IL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies.

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. I respectfully request that the CFPB take immediate action to ensure Experian
fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-08 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: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
On XX/XX/year>, XXXX XXXX issued Estimate # XXXX for {$2000.00} to move my household goods. I prepaid a deposit of {$610.00} on XX/XX/year>, which the company kept regardless of whether I proceeded. 

On XX/XX/year>, after loading all of my belongings, XXXX XXXX raised the price to {$3400.00}. They refused to release my goods unless I immediately paid {$1400.00} on my Navy Federal Credit Union credit card. This was not part of the agreement and was paid under duress in what federal law defines as a XXXX load situation. 

On XX/XX/year>, at delivery, XXXX XXXX again refused to release my belongings unless I paid {$2000.00} in cash, XXXX, or money order. I was forced to comply. In total, I was charged {$4000.00}, nearly double the written estimate. This violated the federal 110 % rule ( 49 CFR 375.403 ) and the XXXX load statute ( 49 U.S.C. 14915 ). 

I disputed the {$1400.00} credit card charge with XXXX XXXX as fraudulent and coerced. On XX/XX/year>, XXXX XXXX closed the case, stating no billing error occurred as services were rendered. This is incorrect. The charge was not authorized under the written agreement and was obtained through coercion and fraud, which makes it a billing error under the Fair Credit Billing Act ( FCBA ). 

I provided XXXX XXXX with documentation, including the written estimate, bill of lading, and proof of the inflated charges, but they dismissed the dispute without conducting a meaningful investigation. By doing so, they failed to meet their obligations under the FCBA. 

Requested Resolution : I request that the CFPB require XXXX XXXX to : Reopen my dispute.

Conduct a proper investigation.

Issue a credit for the fraudulent {$1400.00} charge.

Supporting documents include XXXX XXXX denial message dated XX/XX/year>, the original estimate, proof of my deposit, the bill of lading with handwritten inflated charges, and evidence of coercive and fraudulent practices by XXXX XXXX. 

I was upcharged because they fraudulently increased the load saying my XXXX of items were XXXX. I will photos proving this is false in any loading and they broke my washer on delivery and have refused to assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CO

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-08 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: AL

Complaint narrative:
It is beyond frustrating that unauthorized accounts keep appearing on my credit report. I did not open them, I did not authorize them, and I never received any notice about them. To make things worse, each bureau is reporting conflicting and inaccurate details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am a 100 % XXXX XXXX  veteran and father. I have always been more than willing to work with Wells Fargo regarding my XXXX auto loan. Wells Fargo was aware that the Department of Veterans Affairs ( VA ) had made a serious error and missed years of payments that should have been applied to my account. I was assured by Wells Fargo that because of this VA error, my account would not be charged off. 

When the VA issued a large lump-sum back payment, I immediately contacted Wells Fargo , but by then I was told the account had already been charged off. To make matters worse, Wells Fargo denied that the phone call ( where I was told it would not be charged off ) ever happened. I have nothing to hide and have continued to act in good faith to resolve this matter. 

Most concerning, a repossession vendor hired by Wells Fargo came to my residence and harassed and insulted me in front of my family. He made degrading personal remarks, used vulgar names, referenced that I am a father in a hostile way, and falsely claimed that my drivers license would be suspended by Monday if I didnt hand over the vehicle. He even referred to an affidavit, which made no legal sense. He refused to show any proof of his authority, proof of the debt, or proof of assignment. His behavior was intimidating, threatening, and an outright breach of the peace under Florida law. 

I want to make clear : we do not care about the car and are more than happy to surrender it. What we do not accept is harassment, intimidation, or false legal threats at our home. Wells Fargos decision to hire a vendor who acted this way has caused significant XXXX  to me and my family. 

I previously raised this issue with Wells Fargo and was told the complaint would be escalated to an executive. I am filing here so there is a federal record of what happened.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My XXXX tax refund of {$4100.00} was deposited on XX/XX/XXXX to a closed account with PNC bank. The irs has attempted to recover the funds from PNC bank ( tracking number XXXX ). PNC has failed to give me an explanation as to what has happened to the money due to no funds being returned to the IRS so the IRS can issue a paper check. As per PNC there is no rejected deposited for the closed checking account and the IRS tells me it was sent to the bank account that the tax preparer failed to update when submitting my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC
State: NJ

Complaint narrative:
This account was closed on XX/XX/year>, and has a {$0.00} balance. It is marked as Paid profit and loss and Purchased by another lender, which appears twice in the remarks section. These duplicate remarks may indicate reporting inaccuracies. I also contacted the company requesting a goodwill adjustment or correction, but I received no response. The status still shows charge-off or derogatory, which is misleading given the fact that the account is fully paid and no longer in collections. I am asking that the Consumer Financial Protection Bureau review this matter and ensure that the reporting is either corrected to reflect the accurate paid status without derogatory language, or the tradeline is removed if the company can not verify the accuracy under FCRA standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect an inflated balance of approximately. {$6500.00} on an XXXX XXXX XXXX XXXX XXXX XXXX ( AAFES ) Military Star Card account. Official AAFES statements ( XXXX XXXX  ) show a balance of approx. {$5600.00}. 

On XX/XX/year>, I sent a written request for a proper Written Payment Agreement before making payments. I followed up on XX/XX/year>, and again on XX/XX/year> ( Final Notice Letter ), requesting the following basic terms : Payment amounts and schedule. 

Credit reporting treatment ( Paid as Agreed during the plan ; Paid in Full with {$0.00} balance at completion ). 

Interest and fees disclosure. 

Monthly statements. 

Copies or transcripts of the XX/XX/XXXX and XX/XX/year>, recorded calls. 

To date, XXXX has failed to respond to any of these letters. Despite this, they continue reporting the account to the credit bureaus and attempting to collect without providing the requested terms. 

I am prepared to pay once these terms are provided, but XXXX failure to respond or provide a proper Written Payment Agreement has prevented resolution.

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 2025-09-08 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: NV

Complaint narrative:
I Mailed letters requesting to remove items, but they did not do so after an " investigation proved correct '' so I am escalating my grievances in filing this report with you I will attach all proofs below the letters the credit report and identifying documents.

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 2025-09-08 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: NV

Complaint narrative:
I Mailed letters requesting to remove items, but they did not do so after an " investigation proved correct '' so I am escalating my grievances in filing this report with you I will attach all proofs below the letters the credit report and identifying documents.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am tired of dealing with this issue. Unauthorized accounts that do not belong to me keep showing up on my credit report. I never opened them, I never agreed to them, and I never received any notice about them. The fact that each bureau reports something different only adds to the mess.

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 2025-09-08 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: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this 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 2025-09-08 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: VA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States Re : Formal Dispute and Cease & Desist Demand Unauthorized Account on My Credit Report To Whom It May Concern, I am writing to notify you that I am formally disputing the validity of the debt you are attempting to collect and/or have reported to the consumer reporting agencies in my name. 
I have never entered into any agreement, contract, or business relationship with TrueAccord.

I have never authorized or consented to any debt being assigned or sold to your company.

The account you are attempting to collect and/or have reported is fraudulent, inaccurate, and not my obligation.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1. I demand that you immediately cease all collection efforts regarding this alleged debt.

2. I demand that you delete any and all tradelines or negative reporting you have furnished to any consumer reporting agencies ( XXXX, XXXX, XXXX, etc. ). 
3. I request written validation of this debt in accordance with 15 U.S.C. 1692g ( b ). If you can not provide such validation, you must delete and cease reporting immediately.

4. You are hereby instructed to cease contacting me by phone, email, or mail regarding this account, except to confirm in writing that the tradeline has been deleted and all collection activity has ceased.

If you fail to comply, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing legal remedies for any damages caused by your unlawful reporting.

This letter is sent pursuant to my rights under federal law and should be considered a formal dispute and cease & desist Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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