vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Fraudulent Hard Inquiries and Request for Immediate Deletion under FCRA 605B To : Equifax TransUnion Experian Dear Credit Reporting Agencies, I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries appearing on my credit reports as a direct result of identity theft. I have submitted an official FTC Identity Theft Report ( Report # XXXX ), under penalty of perjury, confirming I am a victim of identity theft. My sensitive personal information was compromised in multiple significant data breaches, including XXXX, TransUnion, Equifax, Experian, and XXXX. 

Disputed Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( appears on both Equifax and TransUnion ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( appears on TransUnion ) These inquiries were not authorized by me, and are tied to fraudulent applications made without my knowledge or consent. According to 15 U.S.C. 1681c-2 ( FCRA 605B ), I am asserting my rights to request : 1. Removal of all fraudulent inquiries from my credit files ; 2. A block of any information resulting from identity theft ; 3. No further disclosure or reporting of these fraudulent items. 

Supporting Documentation Provided : FTC Identity Theft Report ( Report # XXXX ) Copy of government-issued ID ( if requested ) Proof of address ( if requested ) Screenshots showing the unauthorized inquiries on my credit report Please consider this letter a formal request for investigation and immediate deletion of the above-listed fraudulent inquiries. Under the FCRA, you are required to complete your investigation within 4 business days upon receipt of this identity theft report and supporting documents. 

Furthermore, I am placing all agencies on notice under UCC 1-308, reserving all rights without prejudice, and requesting that no further inquiries, reporting, or dissemination of fraudulent data occur. 

Should this issue persist or if these items are not removed promptly, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and may pursue legal remedies for the damages caused by continued reporting of false information in violation of the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. I expect a full written confirmation of the deletions within the legally mandated timeline. 

Sincerely, XXXX XXXX FTC Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of A personal credit card account opened at American Express on XX/XX/XXXX, A credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, A credit card account opened at XXXX on XX/XX/XXXX, A collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, and A collection account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights under the FCRA and FDCPA laws. 

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 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 2025-07-10 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:
This is the third time I am disputing the same XXXX XXXX account ( ending in XXXX ), which was previously deleted and has now been reinserted without any prior notice, without valid documentation, and without my consent. 

I never authorized XXXX XXXX to report this account to any credit bureau, nor did I sign any agreement that allows them to do so. The account also contains several inaccuracies, including incorrect balances, dates, and statuses. 

More than XXXX  days have passed since my original dispute, and I have received no verification, no contract, and no signed agreement to justify this account being reported. 

This reinsertion is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), and I am making this very clear : if this account is not removed immediately, I will escalate this case by filing a complaint with the State Attorney General and I will take legal action. 

This is the final warning. There will be no further notices. Your failure to comply with federal law will not go unanswered.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Previous Contact Methods : Certified letters to the credit bureaus and direct communication with the creditor listed below. 
Disputed Account : - XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Description of the Issue : I am submitting this formal complaint regarding the above-listed credit account, which does not belong to me. 
I have made multiple efforts to resolve this matter : XXXX. I sent dispute letters to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) stating that this account is not mine. 
XXXX. I contacted XXXX XXXX directly requesting verification and the immediate removal of this inaccurate account. 
To date, I have not received any response from the company, and the inaccurate information remains on my credit reports. 
This is negatively impacting my credit score and causing unjust financial harm. 
Applicable Laws : - Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], credit reporting agenciesare required to investigate disputed information within XXXX  days. 
- Under FCRA 609 [ 15 U.S.C. 1681g ], I have the right to request all information in my file, including the sources and recipients of information. 
- Under FCRA 623 [ 15 U.S.C. 1681s-2 ], furnishers of information ( like XXXX XXXX XXXX must not report inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Re : Dispute of Fraudulent Tradeline XXXX XXXX File Numbers : Equifax : XXXX  Experian : XXXX TransUnion : XXXX  To Whom It May Concern : I am writing to dispute an unauthorized and inaccurate tradeline appearing on my credit reports under the name XXXX XXXX. I did not open or authorize this account and it has been charged off without my consent. Under the Fair Credit Reporting Act, please investigate and permanently delete this item from my files. 

Disputed Account Details ( per Experian report ) : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$1300.00} written off ; {$1300.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Limit : {$1500.00} Highest Balance : {$2100.00} On Record Until : XX/XX/XXXX Requested Actions : Delete this tradeline from each of my Equifax, Experian, and TransUnion credit files. 

Send written confirmation from each bureau once deletion is complete. 

Provide twelve months of complimentary credit-monitoring services at no cost to me. 

Enclosed are copies of my FTC Identity Theft Affidavit and police report. Please complete your reinvestigation within 30 days of receipt of this letter and notify me in writing of the outcome. 

Thank you for your prompt attention to restoring the accuracy of my credit reports. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX these accounts can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form. 

A court ruling on XX/XX/year>, Case XXXX in my favor against XXXX XXXX XXXX XXXX XXXX as referenced in the XXXX XXXX Sheet.pdf, confirms I do not owe the debt associated with XXXX collections totaling {$2300.00}, as reported in the XXXX XXXX Balance.pdf. These collections stem from Comenity accounts ( XXXX, XXXX XXXX, XXXX ) sold to XXXX. Despite this judgment, XXXX continues to report these collections as valid, and Equifax, Experian, and XXXX  have failed to remove them, violating FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum possible accuracy in consumer reports.

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 2025-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-10 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Central Research Inc
State: CA

Complaint narrative:
Loan documents have false information. Not my personal correct information. 
The people mentioned don't have the correct relationship. Birthday is incorrect. Time of alleged completion is questionable. 

No signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Transunion for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to its failure to block fraudulent accounts after I submitted all required documentation on XX/XX/XXXX, including a valid identity theft affidavit, government-issued ID, proof of address, and evidence linking my data to the XXXX  breach . Despite clear obligations under 605B to block the accounts within four business days, Transunion ignored the law and instead responded with a generic verified as accurate notice, without disclosing the source or method of verificationviolating 611s mandate for a reasonable reinvestigation. This conduct mirrors the unlawful practices condemned in XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, where courts ruled that automated verifications and failure to properly investigate consumer disputes constitute noncompliance. The CFPBs XXXX Bulletin further warns against these systemic failures. I demand immediate deletion of the fraudulent items, written disclosure of the verification sources used, and confirmation that this dispute has been manually reviewed as required by law. Continued noncompliance may result in legal action under 1681n for willful violations.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries were not made by me, and I have no relationship with the listed creditors. I kindly request their swift removal from 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 2025-07-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Experian credit report : Equifax credit report : XXXX XXXX XXXX  : Account # XXXX Amount {$6000.00} This account had already been removed from my credit report on XXXX  and Equifax. However, it popped back up on my Experian. I do not have any contract obligating me to this account with XXXX XXXX XXXX. By law, this account has already been removed from my reports due to inaccuracies and misinformation. 

I asking for this account to be permanently removed and blocked from my Experian & Equifax Credit report, as well as blocked from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TN

Complaint narrative:
I found inaccurate negative items on my credit report. Also found fraudulent accounts on my report. Please remove these fraudulent accounts, for they are hurting my ability to obtain credit. I contacted the creditors, received no verifiable response, and am requesting a full investigation under the fair credit reporting act ( fcra ). Please remove these unverifiable items. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-07-10 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
am submitting this formal complaint against Wells Fargo Bank regarding a sustained pattern of unauthorized, recurring, and fraudulent charges on my checking account, and the banks failure to fully address my claims despite overwhelming documentation and repeated requests for relief. 

Background : Between XX/XX/XXXX and XX/XX/XXXX, my Wells Fargo account was subjected to a series of unauthorized and recurring charges from various online merchants and digital services. In XX/XX/XXXX, I filed a fraud complaint with Wells Fargo and received a replacement card. Nevertheless, the same fraudulent merchants continued charging my account, even on the new card. 

From XX/XX/XXXX, to XX/XX/XXXX, I was incarcerated in XXXX XXXX ( public record, Maryland Case Search, Case # XXXX, attached ). During this period, I had no physical or digital access to my account and could not possibly have authorized, benefited from, or even challenged the charges as they occurred. 

Key Facts : Total fraudulent charges incurred : {$4100.00} Refunds credited by Wells Fargo : {$820.00} Outstanding balance owed to me : {$3300.00} I provided Wells Fargo with documentation of my incarceration and repeatedly notified them of ongoing unauthorized activity. 

Despite this, my account was continuously debited, and my attempts to resolve the issue have largely been ignored or inadequately addressed. 

Why This Merits Your Attention : Wells Fargos failure to protect my account, prevent repeated fraudulent charges ( even after replacing my card ), and to fully reimburse the losses I suffered represents a profound failure of consumer protection. Their actions ( and inaction ) have caused me significant financial harm, distress, and hardship. 

Relief Sought : I respectfully request that the Consumer Financial Protection Bureau ( or Maryland Consumer Protection Division ) : Investigate Wells Fargos handling of my case and systemic failure to safeguard consumer accounts. 

XXXX Wells Fargo to immediately refund the outstanding amount of {$3300.00}, plus any further unauthorized charges or fees that XXXX come to light. 

Ensure that the bank institutes more robust fraud protection protocols for vulnerable consumers. 

Supporting Documentation : I am attaching my case records, a summary of the fraudulent charges, Wells Fargos partial credits, and public court documentation of my incarceration. 

I appreciate your prompt attention to this urgent matter. Please keep me informed regarding any investigation or action taken. 

Sincerely, [ Email Address ] Attachments : Maryland Case Search documentation ( proof of incarceration ) Itemized list of disputed charges Correspondence with Wells Fargo

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a non profit business and since opening my account I have been charged countless overdraft fees or return funds fees. First when opening acct it was presented to me as if the account would have those fees. Even after occurring fees I woudl catch the acct up with few dollars left. Truist would still let charges go through even is its {$8.00} and charge me {$35.00} and do it for multiple transactions. Never have Truist extended a courtesy reversal of fees. I need the money I paid in fees back

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