vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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 am a victim of identity theft, likely due to the XXXX and XXXX data breaches. As a result, my TransUnion credit report contains fraudulent inquiries and accounts. 

I submitted the required documentation, including my FTC Identity Theft Report, proof of identity, and a written statement identifying the fraudulent information. However, TransUnion has not removed the disputed items. 

Under XXXX XXXX XXXX XXXX ( a ), TransUnion is required to block identity theft-related information within XXXX business days of receiving proper documentation. Their failure to comply is causing ongoing harm to my credit. 

I am requesting your assistance in having these fraudulent accounts and inquiries permanently removed from my TransUnion report. Supporting documents are attached. 

XXXX XXXX Opened - XX/XX/XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/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 2025-07-07 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: Experian Information Solutions 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
This letter serves as a second formal dispute of a collection account reported by XXXX XXXX XXXX for the amount of {$2600.00} originally associated with XXXX XXXX, opened on XX/XX/year>. 

This account has already been disputed ( as reflected in your current remarks : " Account information disputed by consumer '' ). Therefore, under FCRA XXXX ( a ) ( XXXX ) ( B ) and XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), you are required to conduct a reinvestigation and provide me with results based on verified and updated information. 

I am demanding : Full validation of the debt, including itemized statements, proof of ownership by the collector, and the original signed contract. 

Date of first delinquency documentation to verify that this item is not outdated per FCRA XXXX ( a ) ( XXXX ). 

Immediate removal if this item can not be fully substantiated with original records, not just internal notes or unverifiable data. 


The continued reporting of inaccurate or unverifiable information is a direct violation of : FCRA XXXX ( a ) Failure to Reinvestigate FCRA XXXX ( b ) Inaccuracy of Reported Information FCRA XXXX ( b ) Furnishers Duty to Investigate Disputes FDCPA XXXX ( XXXX ) [ XXXX XXXX Code XXXX ] Misleading Reporting Take notice that under the Fair Credit Reporting Act, I am entitled to pursue legal remedies for negligent noncompliance, including actual damages, statutory damages, and attorneys fees. 

You are legally obligated to complete this reinvestigation within 30 days and either : Provide complete validation ( as defined above ), OR Permanently delete the account. 


Failure to comply will be documented and may result in a complaint with the Consumer Financial Protection Bureau ( CFPB ), FTC, and your State Attorney Generals office.

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 2025-07-07 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: Carvana Group, LLC
State: NJ

Complaint narrative:
On my Experian credit report, there are multiple hard inquiries that I did not directly authorize, and many are duplicate or excessive. On XX/XX/XXXX, XXXX XXXX appears twice with separate inquiries on the same day. Also on XX/XX/XXXX, there are inquiries from XXXX XXXX XXXXXXXX and XXXX XXXX XXXX On XX/XX/XXXX, there is an inquiry from XXXX XXXX, and XXXX XXXX appears multiple times overall ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, on XX/XX/XXXX, XXXXXXXX XXXX ( listed as XXXX  ) ran an inquiry. 

I only authorized one credit check for an auto loan application, but my information was sent to multiple lenders without my direct consent, resulting in numerous inquiries. I did not open accounts with any of these institutions or gain any loan or benefit from these inquiries. This has negatively impacted my credit score and does not reflect responsible credit use on my part. 

I am requesting a thorough investigation and the removal of all unauthorized, duplicate, or excessive inquiries, specifically : 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 XXXXXX/XX/XXXX I would like these inquiries removed as they were not individually authorized, and no resulting account or loan was opened or used. Please let me know if further information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On my XXXX  credit report, there are multiple hard inquiries that I did not directly authorize, and many are duplicate or excessive. On XX/XX/XXXX, XXXX XXXX appears twice with separate inquiries on the same day. Also on XX/XX/XXXX, there are inquiries from XXXX  XXXX XXXX and XXXX XXXX XXXX On XX/XX/XXXX, there is an inquiry from WFBNA Card, and WFBNA Card appears multiple times overall ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, on XX/XX/XXXX, XXXX XXXX  ( listed as XXXX  ) ran an inquiry. 

I only authorized one credit check for an auto loan application, but my information was sent to multiple lenders without my direct consent, resulting in numerous inquiries. I did not open accounts with any of these institutions or gain any loan or benefit from these inquiries. This has negatively impacted my credit score and does not reflect responsible credit use on my part. 

I am requesting a thorough investigation and the removal of all unauthorized, duplicate, or excessive inquiries, specifically XXXX XXXX XXXX XXXXXX/XX/XXXX ( appears twice same day ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX WFBNA Card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( appears XXXXhree times total ) XXXX XXXX  ( XXXX ) XX/XX/XXXX I would like these inquiries removed as they were not individually authorized, and no resulting account or loan was opened or used. Please let me know if further information is needed.

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 2025-07-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
An account has been reported to the credit bureaus under my name that I do not acknowledge. I made a lawful request for validation, which has gone unanswered. As such, you are not authorized to continue reporting this entry. The FCRA requires furnishers to report only accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a claim with CFPB prior and Chase agreed to return my fund. As of today, fund has not been received. 

Chase claimed a cashier check XXXX was issued to XXXX and it was received on XX/XX/XXXX. XXXX denied recieving it on XX/XX/XXXX. XXXX reached out to Chase on XX/XX/XXXX requesting to reissue the Cashier Check. 

I learned that XXXX mistakenly returned the check claiming, Chase failed to provide identifying info so XXXX was unable to identify who it belonged to. 

Chase has the check again so I am back to square XXXX. I have been calling Chase and they keep dodging me and not giving me an update. They said an executive will reach out to be. Nobody has called me. 

Chase needs to release my fund. Mail it to my address to avoid further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-07 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-07 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act, I have the right to dispute any information I believe is inaccurate on my credit report. A recent review of my file revealed a late payment that does not reflect my actual payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-07 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 have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Bridgecrest repossessed my vehicle on XX/XX/year>, without providing proper notice or informing me that the account had been charged off. I only discovered the charge-off by reviewing my credit report I received no prior notification by mail, email, or phone. 

Prior to the repossession, I informed Bridgecrest that I was experiencing temporary financial hardship due to being on unpaid leave, which was the cause of my missed payments. I clearly communicated that I wanted to resolve the situation. I was told a representative would follow up to set up a payment arrangement that would allow me to continue making payments and have the past-due balance moved to the end of my loan. That call never came. When I reached out again, I was told by other agents that they would not honor the plan unless I made an additional payment first even though that was never part of the original agreement. 

Additionally, on XX/XX/year> after the repossession had already occurred XXXX unauthorized debit attempts were made through XXXX using my card ending in XXXX. XXXX attempt was for {$400.00} and another for {$350.00}. I did not authorize either of these transactions, and they occurred after Bridgecrest had taken possession of the vehicle. 

I am requesting that Bridgecrest : Immediately delete and reverse all negative credit reporting related to this account and repossession. 
Provide full documentation of the repossession and charge-off process, including proof of any required notices. 
Investigate and confirm that no unauthorized payments were processed or will be attempted again. 
Compensate me for the credit harm, financial and emotional distress, and time lost due to their failure to honor a repayment plan and their mishandling of my account. 
Provide a formal written resolution acknowledging the missteps and outlining the steps being taken to correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a payroll check into my Wells Fargo account on XX/XX/year>. I was told the funds would be available by XX/XX/XXXX, then delayed to XX/XX/XXXX, and as of now, the funds are still not available, even though the check has already cleared. 

Ive been told the hold is due to a recent returned check, but I did not write any checks this is a check from my employer ( XXXX ), drawn on a XXXX account. Wells Fargo is demanding a proof of payment letter from XXXX with the check #, dollar amount, and cleared date, faxed to XXXX. However, XXXX has stated they do not provide these letters or verbal verification, leaving me stuck between XXXX banks. 

Ive had a recent overdraft, but that was due to unexpected medical expenses related to my XXXX treatment. Im on a time limit and these funds are going to treatment. Ive done everything Wells Fargo asked including having XXXX confirm the funds cleared and they are still withholding my money. 

This delay is now going well beyond XXXX XXXX, which limits holds on deposited funds. I am in financial hardship, dealing with serious health issues, and this hold is unjustified. Im requesting your help in forcing Wells Fargo to immediately release my funds.

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 2025-07-07 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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