vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
XXXX reached out to collect a debt that I have no records or knowledge of. I disputed the debt collection claim. They claimed it to be true so I sent a notarized letter via certified mail to them asking for a Debt validation claim via 15 USC 1692 G -full detailed list of payment history for account -original signature for agreement of contract -has there been any insurance claims found on this debt -chain of title to collect debt I also requested the full investigation results per Us code 1681 section 7. It has been over XXXX  days and I haven't received any form of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MN

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged debt that Debt portfolios Recovery has reported to my credit file.

Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting full validation of this debt, as I have never entered into any contractual agreement with the alleged creditor that would obligate me to this debt.

Furthermore, it has come to my attention that the alleged creditor engages in securitization practices, meaning this debt may have been bundled, sold, or otherwise transferred to third parties, voiding any original obligation. If this is the case, I demand a full disclosure of all transactions related to this alleged account, including the sale, securitization, and any profits generated from it.

To validate this alleged debt, I require the following documentation : Proof of Ownership A signed contract between myself and the original creditor proving that I agreed to this debt under the terms you are attempting to collect. Without my explicit consent, no debt obligation exists.

Chain of Title & Assignment Full documentation proving the lawful transfer of this alleged debt from the original creditor to your agency, including the purchase agreement, bill of sale, and all assignments. This must include a flow agreement and transfer of title proving your standing to collect.

Original Creditor Agreement A complete copy of the original contract, including the terms and conditions that apply to this alleged debt. If the original agreement contains an arbitration clause, then the proper venue for dispute resolution is arbitrationnot third-party debt collection.

Full Accounting Records A detailed, itemized breakdown of the alleged debt, including principal, interest, fees, and all transactions associated with this account.

Proof of Lawful Collection Authority Evidence that your company is legally licensed to collect debts in my state and that my private information was lawfully transferred to your agency under 15 U.S.C.

1692b ( 2 ), which prohibits unauthorized disclosure of consumer financial details.

Until you provide all of the above-requested documentation, I do not recognize any obligation to this alleged debt. Under 15 U.S.C. 1692g ( b ), you must immediately cease all collection efforts, remove any negative reporting from my credit file, and confirm in writing that no further action will be taken until full validation is provided. 
Should you fail to comply with this request within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals Office for investigation and enforcement actions. 
All responses must be sent in writing to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. State
s 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 2025-05-27 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance in Unsuppressing My TransUnion Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an urgent issue involving my TransUnion credit report. My report has been suppressed without my consent, and I have received no clear explanation or path to resolution. Despite repeated attempts to contact TransUnion directly, I have been met only with automated responses and no access to a live representative. 

Details of the Situation : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Report Number : [ FIN : XXXX ] Date of Suppression Notification : [ Discovered in XX/XX/year> ] This suppression is not just a clerical errorit is actively interfering with critical aspects of my life. 

How It Is Disrupting My Life : I am in the process of securing a VA home loan to relocate my family, including minor children. The mortgage lender requires access to all three credit reports. TransUnions suppression has blocked progress toward preapproval, putting our housing stability at risk.

I can not access or review my own TransUnion credit report, which limits my ability to dispute inaccurate information or verify my identity, especially during time-sensitive financial transactions.

This issue is causing emotional stress and financial uncertainty while I attempt to protect and provide for my family.

It may also interfere with federal protections I am entitled to as a veteran and a caregiver, as some benefits and legal remedies require proof of credit standing or eligibility.

Request for Action : I respectfully request that the CFPB investigate this matter and assist in the immediate unsuppression of my TransUnion credit report. I am fully willing to provide supporting documentation or answer any questions needed to expedite resolution. 

I believe this action by TransUnion lacks lawful justification, violates basic transparency obligations, and may constitute an unfair practice under federal consumer protection laws. Please advise me of any next steps or documentation needed on my part. 

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

Sincerely, /s/ 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My wife and I are retired and travel on our sailboat along the eastern coast of XXXX during the warm months. We have a physical address on file with Wells Fargo. However, we use a mail box service for our mail since we are not home to receive mail a lot of the year. On XX/XX/year> I received an email that access to my accounts with Wells Fargo may be affected and I need to go to the message center for more info. That message center message said that I need to come into a Wells Fargo branch before XX/XX/XXXX to verify my identity and address or my accounts may be closed. We are on our boat on the XXXX XXXX for the summer. We don't want to leave our boat and we also have no car with us. I have offered to email scans of drivers license, voters registration card, XXXX XXXX documents, etc.... but have been told I have to physically come into a branch. The nearest XXXX to me is in XXXX, XXXX  which is approximately XXXX miles away. Since we dont have our car with us, I would have to pay a ride service for a round trip which would cause a financial burden. I have been a Wells Fargo customer for decades with no overdrafts, no late payments, etc.... If Wells Fargo still requires an in person visit, I expect to be reimbursed for all costs involved.

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 2025-05-27 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:
my nmae is XXXX XXXX. my date of birth is XX/XX/scrub>XXXX my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon reviewing my credit report I came across an item on there to be inaccurate. 
Under 15 U.S.C code 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following item from my credit report, immediately : 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX 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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
They said this credit card was opened in XXXX on XXXX XXXX in XXXX. I left XXXX in XXXX and I was living in California at that time. XXXX XXXX at XXXX # XXXX couldnt tell me my Ss # beyond the first XXXX numbers. He couldnt tell what was charged on the XXXX XXXX only that I owed {$2300.00}. 
He knew my address in XXXX XXXX, IN He kept wanting me to settle and to create a payment plan. I told him that I would never settle as it isnt my debt. He said is was assigned to me and I was responsible. 
I told him I have XXXX and going through XXXX on a fixed income of SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: KS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
The following information is being incorrectly reported on my credit report, and I would like to have this inaccuracy removed without causing any more issues to my credit report. 

XXXX XXXX XXXXXXXX Account # : XXXX The information provided above is what I noticed today on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts 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 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

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 2025-05-27 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: CA

Complaint narrative:
I did not authorize this inquiry, and it was made without my consent. There was no permissible purpose for it to be run in the first place, and it should have never ended up on my credit report. I take the privacy and accuracy of my credit information seriously, and this kind of unauthorized activity 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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I'm writing to provide more information on the credit card dispute with XXXX. The coolant light came on in my XXXX XXXX XXXX in XXXX XXXX. I made an appointment with XXXX for XXXX XXXX, who had done a state inspection and some front-end work including engine mounts the previous XXXX without issue. 
XXXX charged a {$190.00} estimate fee and listed {$6700.00} of work they felt needed to be done. I authorized {$2400.00} for the issues relating to the coolant light coming on and paid on XXXX XXXX. 
They returned the car XXXX XX/XX/XXXX. The next day, the coolant light came on again. I contacted them immediately, and took the cat back in Monday morning, the XXXX ". They thought it was an air bubble, and then found it was a defective XXXXcrew. They got a different radiator screw, and I picked the car up the next day. They also did work that I authorized : new tires, control arms, and an oil change. 
On XXXX XXXX, we left for a conference in XXXX, Ohio. Two hours into the trip, the tire light came on. The new left passenger rear tire was totally flat, and the new front tires were inflated to XXXX XXXX instead of the recommended XXXX XXXX. When I put air into the rear tire, the valve came off in my hand. I quickly found a tire shop in XXXX XXXX, PA, that could replace the valve for {$35.00}. 
Three more hours into the trip, a terrible scraping noise came from the undercarriage. We pulled over into the nearest town of XXXX, PA. There was a tire shop that was closing at XXXX pm and had closed by the time we made it there. We found a XXXX dealership that had not yet closed its repair facility. XXXX, a XXXX XXXX, diagnosed that XXXX had not screwed in the splash shield, which was making the noise. He got us back on XXXX XXXX with XXXX  in place of the XXXX screws, which held up for the XXXX trip. He's a hero. XXXX put us in danger with their carelessness. 
Then, on XXXX XXXX, the coolant light came back on. I contacted XXXX, and they said to bring it in for a third time. Because of the sloppy work to date, I can not do so without feeling foolish. I do not have an issue with the {$4200.00} XXXX XXXX charge, but I am requesting {$2400.00} for the XXXX XXXX charge.

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