vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account XXXX : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-26 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-26 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$180.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$880.00} Account name XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$680.00} Account name XXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Balance {$12000.00} XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account type Utility Date opened XX/XX/XXXX Balance {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
my credit report for transunion and equifax has been giving a false report of my credit for at least the pass XXXX to XXXX years. the way i found this out i pulled a cedit report on XX/XX/year> and these XXXX conpanies haven't done anything since XXXX i had to pay just for it to get updated. these XXXX companines have put a strain on my 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 2025-10-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX  XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: AR

Complaint narrative:
A student loan account serviced by XXXX appeared on your credit report showing a balance of {$46000.00}, reported on XX/XX/XXXX. The record lists the account as opened on XX/XX/XXXX with a XXXXmonth repayment term, yet it shows payment deferred and no information about the school or lender details. 

You never enrolled in any school, received student loan funds, or authorized this debt. Additionally, you already applied for federal student loan relief under the XXXX XXXX XXXX, making this account inconsistent and suspicious. Despite having no connection to this loan, it continues to appear as an open or deferred student loan on your credit file, harming your credit score and implying a false debt obligation.

Violations Committed : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Reporting inaccurate or unverifiable information such as a student loan you never took out or never received funds for.

15 U.S.C. 1681i : Failure to reasonably reinvestigate and remove disputed or fraudulent information after multiple verified disputes.

15 U.S.C. 1681s-2 : Furnishers duty to provide accurate information. If XXXX reported unverified or fraudulent loans, they violated federal reporting standards. 

Federal Trade Commission Act ( FTCA ) 5 : Deceptive or unfair reporting and collection activity associated with false or unverified debts.

Bankruptcy Protection and Forgiveness Law Compliance : If you have already been approved or applied under the federal forgiveness program, continuing to report a balance debts violates current federal guidance under the 2025 forgiveness enforcement orders. 

Potential Identity Theft Violation ( 15 U.S.C. 1681c2 ) : If you never opened this account, the information may be a result of identity theft, unlawful reporting, or misapplied data by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXXXXXX XXXX has settled in full on XXXXXXXX XXXX XXXX. and a letter was issued to the credit bureaus

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXXXXXX XXXX has settled in full on XXXXXXXX XXXX XXXX. and a letter was issued to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Company Name : XXXX  Date of Inquiry : XXXX XXXX : Company Name : XXXX  Date of Inquiry : XXXX XXXX : Company Name : XXXX XXXX  Date of Inquiry : XXXX XXXX : Company Name : XXXX XXXX XXXXXXXX Date of Inquiry : XXXX XXXX : Company Name : XXXX Date of Inquiry : XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 604, only inquiries made with my explicit written consent or in connection with a permissible purpose ( such as a credit application ) are allowed. These inquiries do not meet that requirement, and I am demanding their immediate removal from my credit file. 
I have enclosed a copy of my ID and proof of address to assist with verification. 
Please investigate these inquiries and delete them if your records can not prove proper authorization. I expect a written confirmation of the results of your investigation within the time frame required by 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 2025-10-26 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: PA

Complaint narrative:
TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Company Name : XXXX  Date of Inquiry : XXXX XXXX : Company Name : XXXX  Date of Inquiry : XXXX XXXX : Company Name : XXXX XXXX  Date of Inquiry : XXXX XXXX : Company Name : XXXX XXXX XXXXXXXX Date of Inquiry : XXXX XXXX : Company Name : XXXX Date of Inquiry : XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 604, only inquiries made with my explicit written consent or in connection with a permissible purpose ( such as a credit application ) are allowed. These inquiries do not meet that requirement, and I am demanding their immediate removal from my credit file. 
I have enclosed a copy of my ID and proof of address to assist with verification. 
Please investigate these inquiries and delete them if your records can not prove proper authorization. I expect a written confirmation of the results of your investigation within the time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: 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 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
All of my credit and charge cards were closed by the company on XX/XX/XXXX without any prior notice. Before the closure, my account had over XXXX Membership Reward points, which the company has refused to reinstate after I contacted them. In addition, I paid an annual membership fee of {$600.00} for XXXX of the cards just XXXX months ago, and the unused portion of that fee has not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Yes, they did not remove the hard mark or letter of XXXX error. The information shared is not the correct conclusion.

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 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/year>, I initiated two MoneyGram transfers to XXXX, each in the amount of {$2000.00} ( total principal : {$4000.00} ). After applicable fees, the total charge was {$4000.00}, which was successfully deducted from my XXXX XXXX account as reflected on my statement.Despite the deduction, MoneyGram subsequently notified me that both transactions were declined ( see attached screenshot ). I reasonably expected the full amount of {$4000.00} to be refunded to my account within a standard processing period. No refund was issuedXXXX XX/XX/year>, I contacted XXXX and opened a formal claim ( Claim # XXXX ). A follow-up claim was submitted on XX/XX/year> ( Case XXXX [ ref :! XXXX.! XXXX : ref ] ). I received no email acknowledgment or resolution from MoneyGram.Upon calling MoneyGram customer support, a representative informed me that the transactions were declined at their end and that no funds were ever withdrawn from my account. They asserted that XXXXXXXX XXXX was holding the $ XXXX XX/XX/year>, I filed a dispute with XXXXXXXX XXXX XXXX On XX/XX/year>, XXXX issued a temporary credit of {$4000.00} pending XXXX XX/XX/year>, XXXX notified me of the investigation outcome, stating that MoneyGram did in fact process and receive the {$4000.00}. As a result, XXXX has reversed the temporary credit, leaving my account short {$4000.00} for transactions that MoneyGram confirms were declined.This contradictory information has resulted in a clear financial loss. MoneyGram maintains the transfers were declined and claims no funds were received, yet Chases records confirm the funds were debited and ultimately transmitted to MoneyGram. Requested Resolution : I respectfully request that XXXXXXXX XXXX  immediately reinstate the {$4000.00} temporary credit as a permanent resolution, or alternatively, that MoneyGram refund the full {$4000.00} directly to my XXXX account. I am prepared to provide all supporting documentation, including : XXXXXXXX XXXX  statement showing the {$4000.00} deduction MoneyGram decline notification ( screenshot ) XXXX claim confirmation ( # XXXX ) Correspondence and call logs with both institutions I trust this matter will be resolved promptly to restore the funds that were deducted for transactions that were never completed.Thank you for your immediate attention. 

In addition, when i called Money Gram about this again today, they blocked my account and i don't have access to money gram anymore. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX disputed LVNV FUNDING with all 3 credit bureaus it was deleted and put back on to my credit report. I asked that they provide information that I sign any paperwork with this 3rd party that's saying I owe. its two derogatory marks on my credit file and I'm asking that they removed them. LVNV FUNDING for XXXX stating this account was open XX/XX/2024 and LVNV FUNDING for XXXX stating open in XX/XX/2024 i would like for all to be removed asap or I will file a lawsuit against this company that keeps harassing me by letters and phone calls. I spoke to someone asking for this information stating I sign and that this is indeed mu account and never received no confirmation. please have them remove asap. thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX - Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-10-26 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: MT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXXXXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$12000.00} XXXXXXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$8700.00} XXXXXXXX XXXX XXXXXXXX -Balance {$5500.00} -Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX -Balance {$1800.00} -Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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:
Make certain all disputed accounts are promptly cleared per legal guidelines.

Company response to consumer: Closed with non-monetary relief