vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 2025-06-25 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: OK

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 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: OK

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital One today XX/XX/XXXX at XXXX and someone came on the phone and said I will get a {$100.00} voucher because the lines are busy. That sounded like a scam to me and I said I am not giving any information. They then hung up he phone. 

I called back and a Capital One rep. answered. I said why am I being charged intrerest when I paid my full balance off on XX/XX/XXXX. I was charged interest in the amount of {$20.00} on XX/XX/XXXX. They said its trailing interest on purchases made. I said I paid the entire balance off and I had not made any purchases since XX/XX/XXXX. I said I should not be charged interest on purchases I have not made. Its not right. I then asked for Supervisor. He basically told me to watch a video on why I am being charged interest. I told him that even if it is the company Policy, this Policy is wrong to charge customers not only on purchases but to charge them on no purchases made. He also said in order not to be charged interest, I would have to pay my balance off in XXXX consecutive payments. Well this makes no sense. If I paid off the balance, there is no more balance left to pay. Even if this is a company policy, the Policy is wrong and not consumer friendly. It's basically a scam. They said I agreed to the terms but honestly, who reads the tiny print on pages of information. It is not highlighted to customers like their acceptance letters that offer the card in the first place. I will cancel my card and not give Capital One anymore of my hard earned money. For their charge of {$20.00}, they will lose a good customer worth thousands of dollars for life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
I am disputing a debt allegedly owed to XXXX XXXX XXXX that is now being collected and reported by Source Receivables Management ( SRM ). I have no contract with SRM and did not authorize them to access or report on my credit file. The mailed response they sent contains no signed agreement, no itemized charges, and no chain of custody. They list XXXX as both the original and current creditor while also attempting to collect which is misleading and a violation of FDCPA and FCRA laws. Additionally, the account shows a last payment in XXXX but was not placed with SRM until XXXX, indicating possible reaging. I demand deletion of this entry from my credit report and a full investigation into the handling of my personal information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
I HAVE FILE An FTC REPORT I HAVE FILE POLICE REPORT I HAVE FILE ADFIDAVE OF FACT TO EQUIFAX THEY HAVE ALL THE DOCUMENT!!! 


JUST NEED THIS 2 FRUAD ACCOUNT OF MY CREDIT!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND FOR LAST THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY TOLD ME ONES WE GET THIS DOCUMENT WE WILL BLOCK ACCOUNT BOUT THEY NERVER DID!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
Subject : Round XXXX Dispute Demand for Correction or Deletion of Inaccurate Late Payment Reporting This is my third formal dispute regarding the inaccurate reporting of late payments on the following account : Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name On Account : XXXX XXXX XXXX Account Name : XXXX I have previously disputed this information and your organization has failed to provide sufficient evidence of the accuracy of the late payment reporting & has not corrected the error. 
According to the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies are obligated to report only accurate, verifiable information. If information can not be verified after a reasonable investigation, it must be deleted. The late payment data reported for this account is inaccurate and/or unverifiable, and continued reporting of this erroneous data is damaging my credit unfairly. 
I am formally demanding that you : Update the account ( s ) to reflect Paid as Agreed/ Never Late status OR Delete the inaccurate late payment notations entirely from my credit report Failure to comply may result in me seeking legal remedies for willful noncompliance, as allowed under the FCRA, including statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters to all XXXX agencies to have these things fixed. I mailed certified letters with no responce

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 2025-06-25 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

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 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo allowed fraud to occur on my checking account. Wells Fargo allowed nearly XXXX fraudulent transactions to occur on my account from XXXX, which were all in XXXX, XXXX. I did not take these XXXX XXXX  and I was not in XXXX. I HAVE DOCUMENTS FROM THE UNITED STATES DEPARTMENT OF STATE AND HOMELAND SECURITY THAT PROVES I WAS IN THE UNITED STATES AT THE TIME OF THESE FRAUDULENT TRANSACTIONS AND I WAS NOT IN XXXX! 

WELLS FARGO REPEATEDLY DENIES MY CLAIM AND TELLS ME TO CONTACT THE MERCHANT ( XXXX ) FOR HELP. THE MERCHANT DOES NOT FIND ANY OF THE FRAUDULENT TRANSACTIONS ANYWHERE ON THEIR SYSTEM. THEY THEN TELL ME TO CONTACT WELLS FARGO FOR HELP. NEITHER OF THESE COMPANIES ARE DOING ANYTHING TO REIMBURSE ME. 

WELLS FARGO ALLOWS FRAUD TO OCCUR ON ITS CUSTOMER ACCOUNT AND ENDORSES THE THEFT OF THESE FUNDS. YOUR FUNDS ARE NOT SECURE WITH WELLS FARGO AND IF YOUR MONEY IS STOLEN FROM YOUR ACCOUNT VIA FRAUD, WELLS FARGO WILL NOT REIMBURSE YOU. WELLS FARGO IS CRIMINAL AND NEGLIGENT. 

I IMMEDIATELY REPORTED THE FRAUD AND WELLS FARGO HAS DONE NOTHING TO HELP ME. WELLS FARGO IS A CROOKED AND CRIMINAL ORGANIZATION. YOUR MONEY IS NOT SAFE WITH WELLS FARGO. 

I HAVE BEEN PASSED BACK AND FORTH BETWEEN WELLS FARGO AND XXXX NEARLY XXXX TIMES IN 2 MONTHS AND NEITHER COMPANY IS LOOKING OUT FOR ME AS THEIR CUSTOMER. MY MONEY WAS STOLEN FROM ME AND IT SHOULDN'T BE DIFFICULT FOR THIS ISSUE TO BE RESOLVED. 

I HAVE REPEATEDLY TOLD WELLS FARGO THAT XXXX DOES NOT FIND ANY OF THE TRANSACTIONS ON MY BANK STATEMENT IN THEIR SYSTEM. NONE OF THESE TRANSACTIONS ARE LEGITIMATE AND MY MONEY WAS STOLEN. I HAVE PROVIDED DETAILED INFORMATION THAT I RECEIVED FROM XXXX AND NEITHER MY PHYSICAL CARD NUMBER OR THE DIGITAL CARD NUMBER WELLS FARGO MAKES REFERENCE TO ARE IN XXXXXXXX XXXX SYSTEM.

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 2025-06-25 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:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-06-25 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:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-06-25 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: Atlanticus Services Corporation
State: UT

Complaint narrative:
XXXXXXXX XXXX XXXX is reporting a late on XX/XX/year> and XX/XX/year>. This is incorrect, this account is set up on auto draft and the payment did get taken out from the account. This is reporting falsely and I demand it be taken off as it is seriously damaging my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

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 2025-06-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am submitting this complaint because XXXX  is reporting a bankruptcy on my credit report ( Case # XXXX ) that was filed in XXXX XXXX Ohio XXXX I contacted the court directly and they provided me with an official letter stating they did NOT send any bankruptcy data to XXXX  or any credit bureau. I sent this letter to XXXX, along with proof of my identity, but they have refused to remove the bankruptcy. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported must be verifiable and accurate from the original source. Since the court states they never shared this data, XXXX  is violating FCRA 1681e ( b ) and 1681i. 

In addition, I have tried to obtain full credit reports from XXXX  and XXXX  to confirm whether this bankruptcy appears on those reports, but they will not provide me with complete credit files, either online or by mail. I have submitted my identity verification but still receive limited or incomplete files. 

I am requesting that the CFPB step in to : 1. Require XXXX  to remove the inaccurate and unverified bankruptcy 2. Require XXXX  and XXXX  to provide my full credit reports as required by law XXXX. Provide the names of any third-party data furnishers involved ( e.g., LexisNexis, XXXX ) Also the information on my bankruptcy, the address XXXX XXXX XXXX XXXX XXXX OH is an incorrect address I do not live there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because Experian is reporting a bankruptcy on my credit report ( Case # XXXX ) that was filed in XXXXXXXX XXXX XXXX XXXX I contacted the court directly and they provided me with an official letter stating they did NOT send any bankruptcy data to Experian or any credit bureau. I sent this letter to Experian, along with proof of my identity, but they have refused to remove the bankruptcy. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported must be verifiable and accurate from the original source. Since the court states they never shared this data, Experian is violating FCRA 1681e ( b ) and 1681i.

In addition, I have tried to obtain full credit reports from XXXX  and TransUnion to confirm whether this bankruptcy appears on those reports, but they will not provide me with complete credit files, either online or by mail. I have submitted my identity verification but still receive limited or incomplete files.

I am requesting that the CFPB step in to : 1. Require Experian to remove the inaccurate and unverified bankruptcy 2. Require TransUnion and XXXX  to provide my full credit reports as required by law 3. Provide the names of any third-party data furnishers involved ( e.g., XXXX, XXXX ) Also the information on my bankruptcy, the address XXXX XXXX XXXX XXXX XXXX XXXX is an incorrect address I do not live there.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My payment was supposedly made late. I rectified it XXXX XXXX XXXX but with Experian it is still showing it being derogatory. 
After speaking with Experian I was told my score was XXXX. With XXXX  it was XXXX and with XXXX  it is 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 2025-06-25 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: MO

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, I dont remember having a charge-off. Delete or fix the information on the account detail section. 

XXXX : Account number : XXXX, I dont recall being late. Monthly payment should be reported correctly. 

XXXX : Account number : XXXX, I dont recall being late. Monthly payment should be reported correctly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company response to consumer: Closed with non-monetary relief