vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-22 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: TX

Complaint narrative:
This account was opened without my knowledge or consent, and I should not be held responsible for it. I urge you to take prompt and appropriate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I made XXXX mistakes that seem to be unfixable -- In XXXX I recieved a statement from Wells Fargo saying my payment would be increasing in XXXX due to shortage of escrow. I decided to go ahead and pay off the balance as it was only about {$10000.00}. XXXX XXXX. Unfortunately, I had to much summer fun with grandkids and forgot about it until I got a notice from XXXX stating my payment was late ( they did not accept our automatic payment as it was not at the new higher level ). A day or so later I got a call stating same. I told her I wanted to pay it off, which I did on the phone. XXXX XXXX. I gave her the account number of a personal account at XXXX rather than our business account. I was informed of that by XXXX a couple days later. I immediately went to the Wells Fargo bank and tried to pay by check. She could not complete it as the account said XXXX XXXX XXXX ( it still does a month later ). Since then I have called numerous times, with every number they send on statements saying I need to pay. The past XXXX weeks I have called our account XXXX at Wells Fargo every other day and left messages -- no call back. If they would just remove the XXXX XXXX XXXX  from the account I could easily pay it. I feel they are just trying to get more money.

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 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
The debt collector XXXX XXXX XXXX sent me a fake court hearing to try to scare me into paying a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-22 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : BANKRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX NA - XX/XX/2024 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 2025-09-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Location Services Holdings, LLC
State: AL

Complaint narrative:
I am not certain what this person actually wanted, but they contacted my mother leaving a XXXX stating that location services had been or would be issued and left a phone number to call back using the term assuming they have or they want to contact. XXXX XXXX XXXX ( XXXX ) XXXX is the phone number and person asked to call. She stated my social security # and repeated my address, and told me location services was activated upon my case #. I was being contacted by XXXX XXXX, which I learned is the name of the company contacting me. They used terms like case #, location services, repeating my social, dob, and other official sounding items. I am still not sure why they contacted me, but it involved an old debt with XXXX for the initial amount of {$1000.00} doubled to {$2000.00} then eventually {$4000.00} owed. I was asked how I wanted to proceed, which Im not sure what they mean.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I called XXXX to close my XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( account ending in XXXX ). The representative told me I needed to pay the balance in full to close the account. I authorized the payoff and specifically asked whether anything else was required to remain in good standing. I was reassured that the balance had been paid in full, the account was now closed, and there was no further action I needed to take. 

On XX/XX/year>, I discovered that my XXXX XXXX had dropped from XXXX to XXXX ( TransUnion ) due to a reported delinquency on a XXXX account. I called XXXX, and the representative confirmed that none of my accountsopen or closedwere delinquent. I was advised that the issue might be identity theft and to investigate further because all of my accounts were said to be in good standing. That same day, XX/XX/year>, I filed a dispute with TransUnion ( XXXX XXXX XXXX : XXXX ) stating that the delinquent account was not mine. I also submitted an FTC Identity Theft Report. 

Today, XX/XX/year>, I learned that the account reported as delinquent is in fact my XXXX XXXX ending XXXX XXXX, which I had closed in early XXXX. I received no prior notice from XXXX about any issue with this account, nor was any delinquency identified when I spoke with XXXX on XX/XX/XXXX. After calling XXXX again today, I was informed of the following : XXXX. When XXXX closed my account ending in XXXX, XXXX pending charges were not included in the payoff. 
XXXX. XXXX did not inform me that a balance would remain after closure due to those pending charges. 
XXXX. Because I was told the account was paid in full and closed, I was unaware of the residual balance, which has since accrued interest and late fees. 
XXXX. XXXX did not timely identify or notify me that this specific account was being reported as delinquent, preventing me from addressing the problem sooner. 
XXXX. Today, a representative in Billing Disputes ( XXXX XXXX. ) stated that a credit dispute was submitted to the credit bureau to correct the reporting and restore my credit. However, when I requested a case ID and a copy of the dispute, she said she could not provide them. 
As a result of XXXX handling of this matter, my TransUnion score remains XXXX at a critical time when I needed strong credit to apply for a loan. In many years of credit history, I have never been reported delinquent and have consistently met my obligations. At this point, I am unsure whether I can rely on XXXX to fully correct the error and reverse the damage. I am seeking guidance on additional steps I can take to restore my credit to 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 2025-09-22 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-22 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: IL

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

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 2025-09-22 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an account with Citibank XXXX. based on a public offer. The offer was for a {$320.00} bonus if I had {$3000.00} of XXXX  Direct Deposits during the first XXXX months the account was open and the account remained open for XXXX  days. I completed the deposit requirements, and the completion of these requirements was confirmed in a letter from Citi 's XXXX XXXX XXXX. However, Citi inexplicably closed my account and gave no reason after the deposit requirements were met but before the XXXX  day requirement was met. They still have not given a reason, and it seems to me that they are advertising an offer and then closing the accounts of the people who complete the offer for no documented reason. This smells a lot like fraud- they reaped the benefits of me opening a deposit account, but did not pay out the benefits they promised.

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