vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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:
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 TRANSUNION, Despite previous requests for correction, these violations 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 XXXX 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 TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are 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 ). These accounts 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 : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-26 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: MN

Complaint narrative:
I am submitting this complaint to EQUIFAX regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * XXXX XXXX XXXX Balance Owed : {$6200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX * * * * Balance Owed : {$7500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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 recently review a copy of my credit and notice I had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

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 2025-04-26 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:
Subject : Request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX 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, XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, 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 XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are 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 XXXX XXXX, United States XXXX ( XXXX ), Section XXXX. This also violates my privacy rights under XXXX XXXX, XXXX, XXXX XXXX ( XXXX ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA XXXX. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX - 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

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 2025-04-26 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
An unknown person unlawfully and without my permission obtained a credit card using my identity, for a XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX and serviced by Continental Finance Company. Below is a copy from Continental Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Reference Number : XXXX Dear XXXX XXXX Congratulations! Your application for the XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX  and serviced by Continental Finance Company has been approved! 

Your XXXX XXXXXXXX credit card will be mailed in XXXX business days. 

Important things to know! 

Keep an eye on your mailbox for your new card to arrive. As soon as you get your card, call the toll-free number to activate it. Please note that your card will not be ready to use until you activate it from one of the phone numbers you provided on your application. For security purposes your credit card must be activated within XXXX  days from account opening. 

Dont forget these great card benefits : Monthly reporting to the XXXX major credit bureaus Use your card at millions of locations worldwide. 
Free online account access XXXX Thank you for choosing the XXXX XXXX credit card. 

Sincerely,

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 2025-04-26 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: NJ

Complaint narrative:
Wells Fargo mishandled my credit card dispute and responded with a completely unrelated case. On XX/XX/2025, Wells Fargo denied my original dispute involving missing merchandise I paid for through XXXX. Instead of properly investigating, they closed my claim. 

Then, on XX/XX/2025, Wells Fargo submitted a letter to the XXXX XXXX XXXX and to me that referenced a different customer 's account ending in XXXX and a {$6.00} transaction from a merchant called XXXX, which has nothing to do with my dispute. They even addressed the letter to another individual named XXXX XXXX. 

This raises serious concerns about privacy violations, failure to investigate my original complaint, and mishandling of sensitive information. I have no connection to the other account, the other customer, or the merchant they referenced. 

I am requesting a full investigation, protection of my information, and a proper review of my original dispute related to XXXX transactions totaling over {$2000.00}.

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 2025-04-28 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: GA

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 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 List of Unauthorized Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Zelled {$120.00} from my SoFi account and didn't get the resale tickets I was supposed to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, My Citi bank XXXX  XXXX  credit card was stolen and used to make multiple fraudulent charges. The employees over the phone opened the claim and started the investigation but there was an error made where they forgot to include one of the charges on to the fraud so it was left on my account. When I noticed this I called and attempted for months to get this resolved. For some reason, no employee or supervisor were able to help correct the error made by their team so the charge was left and incurred interest and late fees. This error was finally corrected in XXXX or XXXX of XXXX after months of calling multiple times a week and begging for help. The balance finally went back down to 0 and the investigation was completed in my favor as fraud on my account. However, there was a mark on my credit report that I had a missed payment in XX/XX/XXXX for this account because this credit lender company did not remove this and this caused my credit score to drop about XXXX points. I have called every week sometimes multiple times just to beg for them to help to fix this mistake they have yet again made but again theyre not able to fix it. I have made XXXX disputes against them with the credit bureaus such as XXXX, XXXX  and XXXX. Unfortunately Citi Bank XXXX XXXX XXXX  lender company always reports back that the information is correct so nothing is done. When I speak to them on the phone they tell me that there is NO missed payment on my account and my account looks all clear to them however they can not give me any documentation to help show this to me. I tell them repeatedly that on my end and on the credit bureaus ends, we can all see that there is a Missed payment mark on the account that is heavily effecting my account and score negatively. They tell me I am wrong and that they cant see anything. I have been dealing with this for months, since XXXX of XXXX. I have been begging and pleading for their help to resolve this issue that is their mistake. They have been nothing but NOT helpful and such a horrible company to try and talk to and get any kind of resolution. Most of the employees are rude and do not care and have made so many mistakes on my account throughout this investigation. This has effected my life so horribly I have been unable to qualify for anything and have been in the process of trying to buy a home alone but this has been putting me in a difficult position due to the horribly heavy impact to my credit score.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reporting identity theft and fraudulent activity on my credit report. I submitted disputes directly to the credit bureaus providing an FTC Identity Theft Report and supporting documentation. Despite this, the fraudulent accounts and inquiries remain. The accounts do not belong to me, and they were opened and/or used without my authorization. I am requesting the immediate deletion of the fraudulent accounts, fraudulent addresses, and unauthorized inquiries in compliance with the Fair Credit Reporting Act ( FCRA ) 605B. I request expedited handling due to prior inaction and the impact on my ability to obtain housing and transportation.

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 2025-04-26 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX XXXX XXXX health.|

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX XXXX XXXX health.|

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 2025-04-26 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: OH

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was wrongly charged the same amount five different times on the same Citi credit card ( in a matter of seconds ). The merchant in the end charged the same amount using a different system on my XXXX credit card. In total, I had the same amount billed six times over across two different credit cards ( five on Citi and one with XXXX ). 


I contacted Citi to reverse all five transactions, filled out all the forms they wanted me to and also sent them a screenshot of the XXXX transaction proving I did pay the merchant. Citi did not look like they bothered going through all the documentation I had submitted. I'm still getting the run around from them. 


In a hilarious twist, I even have a letter from Citi saying " The letter you recently sent to us was damaged or separated during processing. Please send us another signed letter restating your inquiry. '' The letter I sent was a pdf attachment in an email! That got fixed when I resent the same email with the same attachment. 


The latest development is that I have resent a pdf of the list of transactions from XXXX 's website.

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 2025-04-26 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: VA

Complaint narrative:
I need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a change of address and phone number alert from XXXX XXXX. Then I learned that I had applied for a credit card from XXXX XXXX. 
So I went in to see and immediately started a dispute to have that address and phone number removed, since they aren't mine. The card application was approved without my consent and was sent to that new address, which I don't know. They used the card, overdrawn it, and now that debt appears on my credit score.

I filed a complaint with XXXX, and I started a fraud dispute with XXXX and XXXX. They're asking me to file a dispute here as well. 
I don't know anything about that credit card issued in my name and my personal information ; I wasn't the one who applied for it or used it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation