vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX  Date : XX/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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/25 4 charges appeared on my checking account for 3 different store. 
1. ). Amt  {$50.00} from XXXX in California 2. ) Amt. {$50.00} from XXXX in XXXX 3. ) Amt {$30.00} from XXXX XXXX in Utah 4. ) Amt {$25.00} from XXXX in Massachusetts Intially there were 2 other charges for {$1.00} and {$5.00} that were from vending machines and I advised them to remove those from the complaint. After a few weeks the stated that the charges were valid and they reversed the temporary credites issued at the time of my dispute. I then contacted the customer service line and went into my local branch to expedite to the executive offices for another review. They came back 10 days later to say that they were my charges. I have asked several times how can they stand by that when I know they are not my charges. I requested proof that I made the charges and they stated that they used a fraud indicator to determine. I have not received any proof that shows these are my charges and I did not make the charges. I tried to escalate further and was left on hold for almost an hour. No further contact with the bank since Monday XX/XX/XXXX, I believe.

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 monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy, completeness, and validity of multiple accounts reporting on my credit file. I demand full compliance with the Fair Credit Reporting Act ( 15 USC 1681 ), Metro 2 compliance standards, and all applicable federal regulations.

The information you are reporting is factually inaccurate, misleading, and unverified. You are required by law to conduct a reasonable investigation, verify the accuracy of every piece of data, and permanently DELETE any unverifiable or inaccurate information. Any failure to do so within 30 days will constitute willful noncompliance. 

The following accounts are being disputed : XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX Additionally, I demand the permanent deletion of any and all outdated employers, incorrect phone numbers, and any unverified personal information you are reporting. You do not have my consent to continue reporting unverified or outdated data. 

I am fully aware of your potential violation of 15 U.S. Code 1681i for using template or form-letter responses rather than conducting individual investigations as required. Any continued failure to conduct proper investigations or attempts to bypass your legal obligations may result in immediate legal action for willful noncompliance, negligence, and potential damages.

You are hereby instructed to : Immediately verify the accuracy of every disputed account.

DELETE any account or personal information that can not be 100 % verified with documented evidence.

Cease and desist from reporting inaccurate, unverifiable, or obsolete data.

Send me a full written confirmation of your investigation results and provide a hard copy of my updated credit report.

Failure to comply may result in me taking further legal action, including formal complaints to the CFPB, FTC, and potential litigation for damages caused by your noncompliance.

I expect your full response, including your investigation findings and updated credit report, within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX  XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
This is an escalated complaint regarding the debt being reported and collected by FABCO concerning XXXX XXXXXXXX XXXX 
FABCO has continued collection efforts and credit reporting on this debt despite numerous legal issues and discrepancies in their claims : 1. My original lease was a 1-year term, beginning XX/XX/XXXX. After this term expired, the lease converted to month-to-month. I never signed a renewal agreement, and thus no written 30-day notice was required upon my move-out in XX/XX/XXXX. 
2. FABCO 's responses contain conflicting statements about my move-out date. In their formal response to the Consumer Financial Protection Bureau ( CFPB ), they stated that I moved out on XX/XX/XXXX. However, in their own " Final Account Statement, '' they list my move-out date as XX/XX/XXXX. This inconsistency violates FDCPA 807, which prohibits misrepresenting material facts about a debt. 
FABCO is attempting to collect on fees that constitute normal wear and tear, such as carpet cleaning, light bulb replacement, trash removal, and minor maintenance. These charges are not valid deductions beyond the {$540.00} security deposit, and no proper validation was provided to support these charges as excessive or beyond typical use. 
4. I vacated the unit in XX/XX/XXXX, and the unit was re-rented by XX/XX/XXXX. FABCO 's attempt to charge me rent for this period is unsupported and unlawful. 
5. FABCO acknowledged in writing that the account was " under dispute '' but continued collection efforts, violating FDCPA 807 ( 8 ). 
This account should not be reported as valid debt on my credit reports. I request that the CFPB review this case for FDCPA and FCRA violations and that this account be permanently deleted from all credit reporting agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I applied for borrowers defense in XXXX  for XXXX. I have yet to receive a discharge. The account is stuck on " processing discharge ''. Meanwhile my credit is taking a hit for something that should've been automatically discharged a long time ago under XXXX XXXX  discharge. I received an email stating the forbearance i had to manually apply for is extended out until XXXX. I should've had to reapply for any payment plan. I shouldn't be receiving notices about non payment or statements to make a payment. I'm tired of no one having answers. Nelnet points the finger at the Dept of Ed and vise vera. This is frustrating to not know after 6 yrs when the loans will finally be discharged. I've gotten emails from XXXX stating i was approved and didn't have to do anything. I don't understand why i'm receiving statements and payment notices. Discharge these loans already. What's taking so long? How much longer? Why has this been pending for 6 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. I understand that you are required to verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly removed. Please note that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my credit report. I understand that you are required to verify these items with the respective creditor. Any information that can not be verified by the creditor should be promptly removed. Please note that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX, i made a max payment to capital onXXXX while its due the XXXX of each month. today, i get a notification from my bank that another payment was posted, which is illegal! they took money out of my bank account, unauthorized, and even if i hadnt made t

he payment prior to the due date, its still illegal! not only that, but i called capital one to dem
and a refund to my bank account, for them to get on a three-way call with my bank and demand them give them information. they refused, which im glad because its unethical!!

this is actually scary!

i want to reiterate i do NOT have auto-pay on! no automatic payments!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-06-19 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: NJ

Complaint narrative:
I am writing to formally dispute the recent reinsertion of a previously deleted account from my credit report. The account in question is related to XXXX  # XXXX and XXXX XXXX - XXXX XXXX  # XXXX, which was removed after a successful dispute. It has now reappeared on my credit report without proper notice or justification.

Company response to consumer: Closed with non-monetary relief