vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUpon review of my consumer report, I discovered entries that appear to violate 15 U.S. Code  1666(b), which addresses billing errors, including:\n\nThe creditors failure to properly reflect a payment made or credit issued to me.\nAn accounting or computation error on the billing statement.\n\n\nAdditionally, under the Truth in Lending Act (TILA), creditors are required to provide a billing statement at least 21 days before the due date of a payment. To the best of my knowledge, this did not occur. Therefore, the late payment entries are not only incorrect, but also unlawful.\n\nI am requesting an immediate investigation and demand the following:\n\nVerification of the late payment with complete, timestamped documentation.\nCorrection or removal of all inaccurately reported late payments.If verification cannot be provided, these accounts must be updated to reflect Paid as Agreed or removed entirely from my credit report. These are clear billing errors as defined by law, and failure to correct them violates my rights under the Fair Credit Reporting Act and TILA.\n\nIf the inaccurate information is not removed or corrected, I am prepared to seek monetary damages for negligent noncompliance under 15 U.S. Code  1681n (Civil Liability).\n\nPlease consider this your opportunity to resolve this matter swiftly. I expect confirmation of investigation and action taken within 30 days of receipt of this letter.\n\nSincerely,\nMarquis Masters'

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
For XXXX the bank had multiple reversals and weird reversal mini deposits that went up by a XXXX and never stopped or closed my account immediately. They reached out and asked if It was me making a transactions and I said yes as I was buying groceries. But it was a loan company defrauding/scamming me and I couldnt see these transactions online ( Chase app ). Now they want me to pay back the money scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed a multiple fraudulent accounts on my report. please remove these from my report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
I'm writing to dispute inaccurate and unacceptable information that has appeared on my credit report. After carefully reviewing my file, I noticed an entry that is completely incorrect, and I am demanding that it be fully investigated and removed immediately. 

This particular item is either outdated, misreported, or was added without proper verification. In some cases, entries like this result from clerical errors, identity mix-ups, or worsefraudulent activity. Whatever the cause may be, I had no involvement in or knowledge of the action that led to this listing, and it absolutely does not belong on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> To Whom It XXXX Concern, This letter is a formal dispute of several inaccurate and possibly fraudulent items listed on my credit report. I am writing pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, which allows for the blocking of information resulting from identity theft or unauthorized activity. 

The following accounts were not opened or authorized by me and XXXX be the result of a national data breach/public leak, which has affected thousands of consumers. I believe my information was compromised in that breach, and these entries must be thoroughly investigated and permanently removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are unfamiliar to me and were not authorized. I did not apply for or open these accounts. Under 15 U.S.C. 1681c-2, I request that these accounts be blocked from my credit report as they are the result of fraud and/or identity theft. 

Attached are copies of my identification, proof of address, and a copy of my credit report with the disputed items highlighted. I am also including documentation confirming my awareness of a public data breach that may have exposed my personal information. 

Please provide a written response confirming your investigation and actions taken. If these accounts are not removed within the required timeframe, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

Thank you for your time and attention to this urgent matter. 

Sincerely, 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 2025-06-11 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
To Whom It May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX  for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to health issues .. As a result 3 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

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> This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries.

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 2025-06-11 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: PA

Complaint narrative:
To Whom It May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX  for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to health issues .. As a result 3 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

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> This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute a transaction dated XX/XX/year>, where I paid {$25000.00} upfront to a company called XXXX XXXX XXXX through my Wells Fargo account. The company promised to build, launch, and manage an XXXX store for me, guaranteeing passive income with minimal effort. 

In addition to the upfront payment, I also invested {$10000.00} in inventory coordinated through them. Unfortunately, XXXX XXXX XXXX failed to provide any of the promised services. After payment, communication ceased, the store was never launched, and repeated attempts to get a refund or access to my inventory were ignored. 

I recently contacted Wells Fargo to dispute this charge, but I was informed that because the transaction is over two years old, you can not assist me. However, I was unaware of the full scope of this fraud until recently and have been actively pursuing resolution. 

This scam has caused me severe financial hardship, as I funded this through a personal loan with the hope of achieving financial independence. I am requesting Wells Fargo to reconsider my dispute or provide guidance on recovering my funds. 

I trusted Wells Fargo to protect my financial interests and hope you will assist me in holding XXXX XXXX XXXX accountable and recovering my losses. 

Thank you for your consideration.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint against all three major credit bureaus : Equifax, Experian, and TransUnion. 

My credit reports from these bureaus contain inaccurate and false information, including names and addresses that do not belong to me and have no connection to me. 

My full legal name is XXXX XXXX XXXX XXXX no other name is associated with me. 
My correct address is XXXX XXXX XXXX, XXXX, AL XXXX no other address should be listed or linked to my credit file. 

Multiple times, I have contacted each credit bureau and asked them to remove these inaccurate names and addresses. 

Equifax, Experian, and TransUnion 's ongoing failure to correct these inaccuracies is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. 

These false entries harm my credit profile and potentially impact my financial standing.

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 2025-06-11 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: FL

Complaint narrative:
Im disputing a late payment reported by XXXX XXXX  ( XXXX XXXX ), which is inaccurate and misleading. This credit card was used for a medical procedure. I paid the full balance by check, but the check was lost in the mail. I contacted the creditor immediately, and their representative explicitly advised me to send a second check and assured me the payment would still be marked on time as an exception, given the circumstances. I complied in good faith, and the second payment cleared. 

Despite this agreement, XXXX XXXX  reported a late payment to the credit bureaus. I have disputed this directly with both the creditor and the credit bureaus multiple times, but the derogatory mark remains. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers are required to report accurate information and correct any inaccuracies once notified. This reporting is unfair and damaging to my credit standing. I am requesting that the CFPB investigate and require XXXX XXXX  to correct or remove this inaccurate late payment. 

I am happy to provide supporting documentation, including payment records and communications with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
Im disputing a late payment reported by XXXX XXXX ( XXXX XXXX ), which is inaccurate and misleading. This credit card was used for a medical procedure. I paid the full balance by check, but the check was lost in the mail. I contacted the creditor immediately, and their representative explicitly advised me to send a second check and assured me the payment would still be marked on time as an exception, given the circumstances. I complied in good faith, and the second payment cleared. 

Despite this agreement, XXXX XXXX  reported a late payment to the credit bureaus. I have disputed this directly with both the creditor and the credit bureaus multiple times, but the derogatory mark remains. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), furnishers are required to report accurate information and correct any inaccuracies once notified. This reporting is unfair and damaging to my credit standing. I am requesting that the CFPB investigate and require XXXX XXXX  to correct or remove this inaccurate late payment. 

I am happy to provide supporting documentation, including payment records and communications with the creditor.

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 2025-06-11 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-06-11 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: UT

Complaint narrative:
I am writing to bring to your immediate attention an issue that I consider both urgent and unacceptable. Upon reviewing my credit report, I discovered inaccurate information that does not belong there and does not reflect any actions or agreements I've made. 

Let me be absolutely clear : I did not authorize, initiate, or have any involvement in the account or inquiry in question. This entry is completely inaccurate, and I am formally disputing it under my rights granted by the Fair Credit Reporting Act ( FCRA ). You are legally required to investigate this dispute and verify the accuracy of the information and if it can not be 100 % verified with actual proof, it must be removed 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