vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Two fraudulent accounts have been opened in my name. I have gone to court ( see attached ) filed a police report. Please have TransUnion, Equifax and Experian remove both of these accounts from my credit reports immediately ( XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> for XXXX and XXXX XXXX XXXX XXXXXX/XX/year> for XXXX. Ive enclosed court records, police report, utility bill, my social security card and my license. Please remove accounts immediately. Thank you

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 2025-05-16 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: GA

Complaint narrative:
Two fraudulent accounts have been opened in my name. I have gone to court ( see attached ) filed a police report. Please have TransUnion, Equifax and Experian remove both of these accounts from my credit reports immediately ( XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> for XXXX and XXXX XXXX XXXX XXXXXX/XX/year> for XXXX. Ive enclosed court records, police report, utility bill, my social security card and my license. Please remove accounts immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, Trustees and Defendants at WELLS FARGO HOME MORTGAGE and XXXX XXXX This letter serves as a formal complaint and notice of violation regarding information your organization has furnished to XXXX or more consumer reporting agencies in connection with my consumer credit report. As well as Notice of breach of contract, failure to disclose and carry out fiduciary responsibilities to principals account even after being informed and instructed Upon review of my credit report from XXXX WELLS FARGO HOME MORTGAGE, I have discovered that your organization is reporting information for an account that I do not recognize, did not authorize, and have never had any contractual or financial relationship with. This third-party furnishing is unauthorized, inaccurate, and potentially fraudulent. 

Your conduct is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which prohibits the reporting of inaccurate information and imposes a duty to investigate disputed information promptly and thoroughly. Additionally, if your organization accessed or reported any portion of my credit file without a permissible purpose, such conduct violates 15 U.S.C. XXXXb, which may constitute willful noncompliance. 

Notice of Intent to File Lawsuit If this matter is not resolved to my satisfaction within XXXX calendar days from the date of this letter, I will proceed with initiating legal action against your company in a court of law. This legal action may include claims for : Violations of the Fair Credit Reporting Act ( FCRA ), Invasion of privacy, Defamation, and Other applicable state and federal consumer protection laws. 

Under 15 U.S.C. XXXX and XXXX, I may seek actual damages, statutory damages, punitive damages, court costs, and attorneys fees for each violation. 


Sincerely, XXXX of the XXXX family name, Beneficiary of XXXX acct : 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 2025-05-16 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I checked my credit report and noticed the same multiple billing errors under 15 U.S. Code 1666 ( b ) billing error And - FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know, the creditors did not notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the Creditors that I didn't pay and was marked late because this is clearly a billing error. 

I will list all items again that should be updated to paid as agreed on my consumer report and late marks should also be removed. 

ACCOUNT NAME XXXX ACCOUNT NUMBER : XXXX As a consumer by law, these accounts on this letter must be updated and remove inaccurate information immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission Reference Number : XXXX ). 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
This complaint is directed at XXXXXXXX XXXX XXXX  and Equifax. They are jointly responsible for the inaccurate and unauthorized reporting of a student loan account ending in XXXX. I never signed any authorization for this account to be reported to any credit bureau. 

I disputed this account, and each company marked the investigation as " completed, '' but the data remains false. XXXX  reports a last payment date of XX/XX/XXXX, and XXXX  reports XX/XX/XXXX. The loan is falsely listed as XXXX XXXX on-time while still in deferment through XX/XX/XXXX. Payment entries appear next to " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX showing clear Metro 2 violations. 

My personal information was also compromised in XXXX XXXX during the unauthorized breach of federal databases by DOGE operatives connected to XXXX XXXX. These systems included XXXX, the XXXX XXXX XXXX XXXX, and XXXX. This reinforces the need for full deletion and discharge of this account. 

All supporting documents are attached, including a cease & block demand, sworn affidavit, and proof of damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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 request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS. Please have these remarks on credit report be removed and update the account as positive as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/year>XXXX  I was charged of amount of {$420.00} and that transaction was not authorized by me. I complained to the bank ( 1First Bank ) ( Claim # XXXX ) and the company on XX/XX/XXXX but the company has not answered me and the bank denied my request. 
Cancel the card with the bank to avoid any other transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I looked at my credit report, and noticed some inaccuracies. I sent a letter to Experian asking them to investigate these accounts, Via certified mail, they sent me their investigation and said those accounts are verified and accurate. According to 15 USC 1681i ( 5 ) I see it states 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 credit bureaus did not reinvestigate and violated my right.

- Resolution : please update and delete these accounts 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX with community bank refused to submit to my the request proof the debt was mine. They did not remove the debt while an investigation should have taken place after I mailed them the dispute back in XXXX. 

This was fraud and I would like this removed from my credit score without a negative result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
My BECU XXXX Credit Card has been revoked due to late payment. However, I have proof of payment and dispute BECU 's revocation of my credit card. 

In XX/XX/XXXX, I missed a payment on my BECU Credit Card. On my statement dated XX/XX/XXXX ( XXXX of the attachments ) I was told I needed to make a payment of {$240.00} by XX/XX/XXXX. I made this payment on XX/XX/XXXX in the amount of {$250.00} ( XXXX of the attachments ) I paid exactly what BECU XXXX of me per the statement and paid the balance before the due date. Per XXXX  ( XXXX of attachments ), BECU closed my account in XXXX of XXXX even though I made payment on my card per their statement. 

BECU decided to revoke my credit card due to late payments. Nowhere in the statement does it say my credit card is in danger of being revoked. Per the provided documents, I made the {$250.00} minimum payment prior to the due date and my card is still revoked. BECU is escalating this issue, because their representatives admitted on the call with me, they can see the payment and XXXX reps were confused as to why my card was shut off. 

I implore you to please help me. Per the documents attached, I have maintained my payments with BECU and no adverse effects should occur for paying my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
So I have {$960.00} in my XXXX  balance. I had fraud on my XXXX  debit card and recently received the funds back to my XXXX balance no problem. The next day my XXXX  debit card started declining randomly. I called several times and was told my account was good to go after I submitted my ID. My card was still declining. Then I was told to submit my ID again which I did and was told that my account was fine to use. I tried to send my husband the funds in my XXXX  balance since my card was still declining. I was not able to send him anything. Me and my husband called support together and were told it was a temporary security measure and to wait overnight for the XXXX  system to rest and I would be able to send the money out the next day. The next day I called and was given a runaround about not being able to help me since it was an account specialist that had to handle my request but they are only available over email every 3-5 days. The next day I got an email stating my account was now shut down and that my funds were being held for up to 180 days. All I want is to get my {$960.00} off my XXXX  balance by transferring it out to my bank account which I can not link currently. I am not interested in using XXXX  services anymore after this I just want the money that is rightfully mine. The last email I was sent I was told any further emails I send will not be read or replied to which is insane and horrible business practice when I have done nothing wrong. I have only ever received money from peers that was rightfully and willingly sent to me which I have proof of and used my XXXX  debit card normally at stores. That {$960.00} is to pay the rest of my rent which is now 4 days late because I can not access the money. I have a 3 month old baby so that money is to keep a roof over our heads and XXXX  is prohibiting our wellbeing for no reason. All I want is the money from my XXXX  balance and to part ways with this horrible company. thats all,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the following hard inquiries appearing on my TransUnion credit report : XXXX XXXX XX/XX/year> ), XXXX ( XX/XX/year> ), XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/year> ). These inquiries are negatively affecting my credit score and overall creditworthiness, despite being outdated, potentially unverifiable, or inaccurately reported. Given the increasing prevalence of data breaches and improper data handling, it is possible that these entries resulted from poorly managed data or unauthorized actions. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ), TransUnion is required to ensure that only accurate, fully verified, and legally permissible inquiries appear on my credit report. Reporting unverified or inaccurate information is a clear violation of these federal regulations, exposing me to financial and reputational harm. 

The emotional impact of these inaccurate inquiries can not be overstated. Having my financial credibility compromised by outdated or improperly verified data has caused me significant distress, affecting my ability to secure fair credit, housing, and employment opportunities. The ongoing presence of these erroneous entries not only undermines my financial stability but also erodes my trust in the credit reporting system, creating unnecessary stress and anxiety. It is deeply unfair for me to bear the consequences of data mismanagement, and I should not have to continuously battle to restore my financial reputation.

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 2025-05-16 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-16 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC
State: AL

Complaint narrative:
This vehicle was totaled out in XXXX of 2022 by insurance. I no longer have possession of this vehicle and the company has received payment from the insurance company for the vehicle. Because of their illegal interest and unwillingness to settle out with the insurance company for the payments which total over {$13000.00} the company continues to harass me and cause issues to my credit report. Which in turn has caused great financial and emotional distress for me. I would also like to note that interest charged on this vehicle is considered predatory, for which I have also filed a XXXX  complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I NOTICED THAT THERE IS A COLLECTION FROM A COMPANY I HAD NO DEALINGS WITH : XXXX XXXX XXXX XXXX XXXX  I THINK I AM A VICTIM OF THE DATA BREACH AND IDENTITY THEIF.

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 2025-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Optum Bank 's improper handling and denial of my legitimate XXXX XXXX XXXX XXXX XXXX XXXX claims, which directly contradict IRS regulations governing XXXX usage. 

On XX/XX/year>, I made a payment to XXXX XXXX ( now known as XXXX XXXX ), followed by another payment on XX/XX/year>. Both payments were for valid XXXX XXXX received, as clearly documented by detailed, itemized billing provided by the XXXX XXXX 

Despite submitting proper documentation to Optum Bankspecifically itemized bills clearly showing the service provider, exact services rendered, date of service, and the XXXX XXXX account informationOptum Bank incorrectly denied these claims. Their justification for denial was based erroneously upon subsequent insurance payments and adjustments related to later, separate medical events. 

This approach directly violates IRS rules regarding XXXX claim processing. According to the IRS : Each medical event must be treated as an independent expense. If a claim was correctly made against an XXXX  for XXXXXXXX XXXX event, that claim remains independently valid, provided the event qualifies under IRS regulations. 

Any subsequent insurance adjustments, refunds, or unrelated overpayments from later XXXX  events have no bearing whatsoever on previously submitted and approved XXXX claims. 

Optum Bank 's actions have wasted considerable time and effort on my part, involved unnecessary stress, and demonstrated either a deliberate or negligent misunderstanding and misapplication of IRS guidelines. This is unacceptable practice for an entity managing sensitive consumer XXXX funds. 

I request that your agency investigate Optum Bank 's claims processing practices promptly, compel immediate correction and proper handling of my claims, and consider imposing appropriate fines or penalties to prevent future consumer harm resulting from similar misconduct. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation