vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NY

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 XXXX 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 explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: NY

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My Barclays XXXX card was nearing its credit limit, and I therefore made a large payment by bank transfer ( {$12000.00}. ) It transferred and Barclays acknowledged they have it. However they placed a hold on the credit limit making the card unusable. 
Barclays claims it places a hold because banks might reverse the payment for up to 7 days. However I have never in 8 years as a customer reversed any payments and Barclays has no call to put a hold on the safest form of payment that exists today -- direct bank transfer. 
It is an unfair business practice to accept and hold my {$12000.00} but give me no access to my credit card for 7 days. This is unacceptable.

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 2025-12-18 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:
Dear Sir or Madam, I am writing to formally dispute inaccurate information appearing on my credit report. 
The account listed below is reporting charged off and late payments that I believe are incorrect and/or misleading : Creditor Name : XXXX XXXXXXXX XXXX  Account Number ( partial ) XXXX Dates of Late Payments ReportedXXXX The late payment ( s ) were reported in error because account has been sold and charged off without providing a XXXX form. 
I am requesting that this information be investigated and corrected or removed in accordance with the Fair Credit Reporting Act / provincial consumer reporting legislation. 
I respectfully request written confirmation once the investigation is complete. 
Thank you for your prompt attention to this 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 2025-12-18 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:
Dear Sir or Madam, I am writing to formally dispute inaccurate information appearing on my credit report. 
The account listed below is reporting charged off and late payments that I believe are incorrect and/or misleading : Creditor Name : XXXX XXXXXXXX XXXX  Account Number ( partial ) XXXX Dates of Late Payments ReportedXXXX The late payment ( s ) were reported in error because account has been sold and charged off without providing a XXXX form. 
I am requesting that this information be investigated and corrected or removed in accordance with the Fair Credit Reporting Act / provincial consumer reporting legislation. 
I respectfully request written confirmation once the investigation is complete. 
Thank you for your prompt attention to this 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 explanation
Consumer complaint received 2025-12-18 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:
The companies I am making a formal complaint against : a. Transunion Credit bureau XXXX XXXX XXXX pa XXXX XXXX Equifax XXXX XXXX XXXX  ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX Account # : XXXX listed as Foreclosed- dispute- This account was XXXX balance and they were to remove it from my credit report once paid in full per agreement. 

The complaint is about this service/financial product : inaccurate reporting on my credit reports for paid in full account. It should have never been in collections and they admitted it was an error. They said they would remove it and they still have not removed inaccurate info. I have provided them with my IDs and all current proofs via certified letter and they do continue to list the inaccurate info. 


KEY FACTS of my complaint I am writing this letter because I have been recently denied credit due to wrong and inaccurate CREDIT information being reported by all three of these companies on my credit reports under my social security. I am buying a house and this is affecting me negatively. 
I have written over XXXX letters and called multiple times over the last several months to each of them asking them to delete the wrong info and to provide me with ALL of the debt validation showing I have an obligation to this debt which I have disputed as inaccurate or not mine : I have specifically asked each via certified US mail- the FCRA law requires upon my written request to valid the debt completely by providing me with the following : 1. a full payment history listing all the activity 2. proof that you own the Debt 3. proof you are licensed in this state to collect on the debt 4. The chain of custody of the alleged debt 5. the original of the Purchase or service agreement that contain my signature obligating me to the debt

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, multiple subscription charges were applied to my accounts for a service I did not authorize. Because I also have an XXXX XXXX membership with similar billing amounts, it was difficult to notice that these charges were for a channel I did not subscribe to. 

I only realized the unauthorized charges on XX/XX/XXXX, and contacted XXXX and Capital One. XXXX acknowledged that the charges were unauthorized and processed a partial refund of {$29.00} to my credit card on XX/XX/XXXX. XXXX also informed me that the remaining unauthorized charges, totaling {$74.00}, which were charged to my debit card, must be disputed directly with my bank. 

After filing the dispute with Capital One, I followed up approximately one month later. Capital One informed me that the dispute had been closed because the transactions were considered too old. However, these were multiple concurrent transactions, and the remaining unauthorized funds of {$74.00} on my debit card have still not been credited. 

I am requesting that Capital One immediately credit the remaining {$74.00} to my debit account and provide written confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-18 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Recurring problem with Wells Fargo XXXX XXXX. Bank pulls money from my account, documents online that a check has been sent .. and then holds the money ( does not send the check ) for varying amounts of time, and payment arrives late. 

On XX/XX/year> a check for {$4600.00} was processed through bill pay to a vendor, " XXXX XXXX XXXX ''. Online stated check would arrive by XXXX of XXXX. 


Check was received by the recipient on XX/XX/XXXX, in one envelope with another check from another client of hers that uses Wells Fargo. That second check was dated XX/XX/XXXX. She sent a photo to me of both checks from the envelope. 


So .. after withdrawing payment from my account, the money was held by the bank for up to 7 days after they claimed online that it was processed. 

It is not the US Postal service at fault here. The bank is holding funds for extended periods after withdrawing from accounts.

There is a vague note posted by Wells Fargo online that states payments may be arrive late. This note does not indicate in any way that payments are late due to Wells Fargo holding funds after claiming they have been processed and mailed. It is deliberately misleading.

Holding funds after pulling payments from accounts, and before mailing, is unremitting at Wells Fargo.. Something really needs to be done.

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 2025-12-18 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Dear Sir or Madam, I am writing to formally dispute inaccurate information appearing on my credit report. 
The account listed below is reporting charged off and late payments that I believe are incorrect and/or misleading : Creditor Name : XXXX XXXXXXXX XXXX  Account Number ( partial ) XXXX Dates of Late Payments ReportedXXXX The late payment ( s ) were reported in error because account has been sold and charged off without providing a XXXX form. 
I am requesting that this information be investigated and corrected or removed in accordance with the Fair Credit Reporting Act / provincial consumer reporting legislation. 
I respectfully request written confirmation once the investigation is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I am disputing inaccurate reporting on my federal student loan account. This loan is federally deferred with terms of {$0.00} per month. No payment has been due during the period in question. 

Despite this, the credit bureau and/or servicer has reported adverse payment information while simultaneously stating PAYMENT DEFERRED. This is legally impossible and constitutes inaccurate reporting. 

A loan in deferment can not be delinquent. Reporting late payments or negative history when no payment obligation exists violates federal law. 

This reporting violates : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) failure to correct known inaccuracies 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) unverifiable information must be deleted Federal student loan reporting requirements under XXXX XXXX The notation Completed investigation of FCRA dispute consumer disagreed does not cure this violation. If no payment was due, there is nothing to verify as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: Selene Holdings LLC
State: TX

Complaint narrative:
The companies I am making a formal complaint against : a. XXXX  Credit bureau XXXX XXXX XXXX XXXX XXXX b. XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX c. XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX d. Selene XXXX XXXX Account # : XXXX listed as Foreclosed- dispute- This account was XXXX balance and they were to remove it from my credit report once paid in full per agreement. 

The complaint is about this service/financial product : inaccurate reporting on my credit reports for paid in full account. It should have never been in collections and they admitted it was an error. They said they would remove it and they still have not removed inaccurate info. I have provided them with my IDs and all current proofs via certified letter and they do continue to list the inaccurate info. 


KEY FACTS of my complaint I am writing this letter because I have been recently denied credit due to wrong and inaccurate CREDIT information being reported by all three of these companies on my credit reports under my social security. I am buying a house and this is affecting me negatively.

I have written over 4+ letters and called multiple times over the last several months to each of them asking them to delete the wrong info and to provide me with ALL of the debt validation showing I have an obligation to this debt which I have disputed as inaccurate or not mine : I have specifically asked each via certified US mail- the FCRA law requires upon my written request to valid the debt completely by providing me with the following : 1. a full payment history listing all the activity 2. proof that you own the Debt 3. proof you are licensed in this state to collect on the debt 4. The chain of custody of the alleged debt 5. the original of the Purchase or service agreement that contain my signature obligating me to the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The companies I am making a formal complaint against : a. Transunion Credit bureau XXXX XXXX XXXX pa XXXX XXXX Equifax XXXX XXXX XXXX  ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX Account # : XXXX listed as Foreclosed- dispute- This account was XXXX balance and they were to remove it from my credit report once paid in full per agreement. 

The complaint is about this service/financial product : inaccurate reporting on my credit reports for paid in full account. It should have never been in collections and they admitted it was an error. They said they would remove it and they still have not removed inaccurate info. I have provided them with my IDs and all current proofs via certified letter and they do continue to list the inaccurate info. 


KEY FACTS of my complaint I am writing this letter because I have been recently denied credit due to wrong and inaccurate CREDIT information being reported by all three of these companies on my credit reports under my social security. I am buying a house and this is affecting me negatively. 
I have written over XXXX letters and called multiple times over the last several months to each of them asking them to delete the wrong info and to provide me with ALL of the debt validation showing I have an obligation to this debt which I have disputed as inaccurate or not mine : I have specifically asked each via certified US mail- the FCRA law requires upon my written request to valid the debt completely by providing me with the following : 1. a full payment history listing all the activity 2. proof that you own the Debt 3. proof you are licensed in this state to collect on the debt 4. The chain of custody of the alleged debt 5. the original of the Purchase or service agreement that contain my signature obligating me to the debt

Company response to consumer: Closed with non-monetary relief