vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully placed on my credit report. These accounts are not mine, were never authorized by me, and their continued presence represents a significant violation of my right to fair and accurate credit reporting. The inclusion of these accounts is misleading, harmful, and unjust, creating a false narrative of my financial responsibilities.

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 2025-09-24 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX/XXXX XXXX ] Account Number : [ XXXX ] Creditor 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
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The personal information currently appearing on my credit report is inaccurate, particularly the addresses being reported. I am providing the necessary documents as proof so that you can review and promptly remove these incorrect addresses from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, MN XXXX. XXXX XXXX. Phone number ( XXXX ) XXXX On XX/XX/year>, there was a fraudulent charge on my XXXX card account from XXXX in the amount of {$68.00}. When I talked to the fraud department, they said that they would take the charge off my card, which they did not. Instead, they sent me a form for me to fill out to dispute the charge. I sent that back and they received it on XX/XX/year>. I was told on the phone that it would take 60-90 days to resolve the dispute. I also received a letter from XXXX saying they received the dispute and would work on resolving it, and that the disputed/fraudulent charge would not be subject to interest and fees. However, the past XXXX months, late fees and interest charges have been added so my account now has a balance of {$140.00}. When 92 days from XX/XX/XXXX past, on XXXX XXXX, I called the fraud dept again. I was told because there was no resolution, they would escalate the case, and I should receive a resolution in XXXX days. On XXXX, XXXX XXXX, which was 7 days, I called and was told it would be resolved by XXXX, XXXX XXXX. I called then and was told that it would be resolved by today, XXXX  XXXX XXXX. When I called today, I was told it could take XXXX more business days or longer, but it didn't sound like it would for sure be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
end of XXXX to early XXXX I was in the military when i opened this account and opted for the paperless communication option around XX/XX/XXXX. Once i changed my address the company claimed to have sent a letter to my new address within 5-7 business days of the change to verify the address. They did not receive a response within 30 days they decided to voluntarily close the account because there was no response and claimed to have sent a letter about the closure. I did not receive any of these letters at this new address as they'd claimed. I then contacted them to ask why they did not send an email or another form of communication and their answer was they only communicate through mail for those matters. I explained the reason for me opting for paperless option and they responded, the account is still open to make payments and will not be sent to collections if you make payments. At the end of the conversation i explained that i had two cards with the same card company so why didn't i receive any notices about the address change for the other credit card account and they responded by saying its an older account. They apologized and said they couldn't do anything when stressed about the possible derogatory mark that could appear on my account, XXXX XXXX has acknowledge this account as being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
credit bureaus or furnishers fail to properly investigate and correct information you disputed.

debt collector has violated consumer protection laws.

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 2025-09-24 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: TX

Complaint narrative:
credit bureaus or furnishers fail to properly investigate and correct information you disputed.

debt collector has violated consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AZ

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 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 2025-09-24 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: AZ

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 non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Cease & Desist & FCRA Violation False Verification of Public Record Bankruptcy To Whom It May Concern, I am writing regarding inaccurate, incomplete, and falsely verified information appearing on my TransUnion credit report. The following public record entries are in dispute : XXXX  XXXX Bankruptcy Filed XX/XX/XXXX Discharged- not verified from US Federal Court XXXX  XXXX Bankruptcy Filed XX/XX/XXXXXXXX  Dismissed/Closed- inaccurate- coding no filing XXXX  XXXX Bankruptcy Filed XX/XX/XXXXXXXX  Dismissed/Closed not verified, date inaccurate Despite my previous disputes, TransUnion has falsely verified these entries as accurate. Such verification is unfounded and in violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. 15 U.S.C. 1681i TransUnion failed to conduct a reasonable reinvestigation of the disputed information.

2. 15 U.S.C. 1681e ( b ) TransUnion did not employ reasonable procedures to ensure the accuracy and integrity of the reported information.

3. 15 U.S.C. 1681n Willful noncompliance, including knowingly reporting false or unverifiable information, can result in statutory and punitive damages, attorneys fees, and costs.

4. 15 U.S.C. 1681c Reporting obsolete or outdated public records is prohibited. 



Demand for Immediate Action : Cease reporting the above public records and delete them from my credit report immediately. 

Provide written confirmation of deletion within 30 days of receipt. 

Cease any further reporting of unverifiable or inaccurate information. 


Failure to comply constitutes willful violation of the FCRA, and I am prepared to pursue all remedies available under law, including actual and statutory damages, punitive damages, and attorneys fees. 

This letter serves as formal notice of FCRA violation and a cease and desist demand for continued reporting of inaccurate information. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I am a victim of identity theft and recently a victim of a data breach on which all of my personal information had been exposed and there is an account being reported that does not belong to me. Under FCRA 623 ( a ) ( 8 ) and 623 ( b ) you are required to cease reporting this fraudulent accountand to conduct a reasonable investigation. Any continued reporting or collection efforts will constitute willful non-compliance under 15 USC 1681n,1681o. TD BANK USA TRAGETCRED Account Number : ( XXXX ). I am the victim of identity theft and a data breach. A fraudulent account was opened and reported by TRAGETCRED without my knowledge, authorization, or consent. 

Despite providing an FTC Identity Theft Report, proof of identity, and supporting documentation, TRAGETCRED has continued to furnish this fraudulent information to XXXX, XXXX, and XXXX. 

Violations include : FCRA 623 ( a ) ( 6 ) : Furnishing information known to be the result of identity theft.
FCRA 623 ( a ) ( 8 ) : Failure to properly investigate a direct dispute.

FCRA 623 ( b ) : Failure to investigate and correct inaccurate information furnished to credit bureaus. 

I am requesting that TRAGETCRED immediately : 1.Permanently block and delete the fraudulent account.

2.Cease furnishing this account to XXXX, XXXX, and XXXX.

3.Provide written confirmation that the account has been removed and will not be pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I have been having issues with US Postal Service and not getting my mail.

They apparently gave Wellsfargo incorrect information... USPS informed Wellsfargo that I was not at the address I am at - so Wellsfargo just went ahead and changed my address and emailed me. 

I called in approx. 3 weeks ago to Wellsfargo and explained that I was having issues getting my mail ( including waiting 2 mos for checks from Wellsfargo ) and that Wellsfargo should not change my address until/unless they hear from me.

That was 1 hour on the phone out of my work day. Their customer rep was rude and transferred me over to the Fraud Unit Where I explicitly told them not to change my address unless it is me changing it ... and that I need to be contacted if anyone tries to change it.

3 days later - I wake up to an email stating that Wellsfargo has changed my address again... back to the old one. I spent an hour on the phone with them a week prior, and have had to wait 3 months to get checks from them that I ordered. So, I had to call AGAIN and start the process over.

This has taken two hours of my work time, and I can not call them after work. I want to be reimbursed for this time. It is completely 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 2025-09-24 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: IN

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 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 2025-09-24 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:
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 2025-09-24 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * CAPITAL ONE * * Regarding : * * CAPITAL ONE, Account no : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Complaint : XXXX XXXX  I am disputing the way CAPITAL ONE s furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ). 

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by CAPITAL ONE - The account reported positively for a period of time. 
- After I became delinquent, CAPITAL ONE charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report. 

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies. 
2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing. 

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
I submitted mail to Experian, TransUnion and Equifax. I submitted my Drivers license, Social Security card, FTC report and the list of the hard inquiries I want removed

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 2025-09-24 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: AL

Complaint narrative:
I submitted mail to Experian, TransUnion and Equifax. I submitted my Drivers license, Social Security card, FTC report and the list of the hard inquiries I want removed

Company response to consumer: Closed with explanation