vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct 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 2025-07-28 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wrote a check ( XXXX XXXX XXXX ) to a vendor on XX/XX/XXXX. Received a text/fraud alert on Friday XX/XX/XXXX at XXXX to verify the check. Received a call/voicemail at XXXX to call back by XXXX to verify check. Responded YES to text at XXXX verifying the check ( was not able to call at that time ). Automated response " Thank you for confirming your activity. We do not require additional action from you ''. 
Then on Monday XX/XX/XXXX received another text alert for check # XXXX at XXXX and needed to verify that one. Responded to that one at XXXX YES to verify it. Then received an automated response " there are multiple cases for this number. Please call XXXX for assistance ''. I called at XXXX. Spoke with first customer service agent who said that check XXXX was verified and would be processed. But check # XXXX was cancelled and returned since I did not respond in 80 minutes on XX/XX/XXXX. I asked to speak with a manager to find out how they would make this right since I felt I responded timely. I was transferred to someone who had a full mail box and was told via automated message that I could not leave a message and then was disconnected. I called back - spoke with XXXX- who tried to find me a manager. Waited on hold for 10 minutes. She could not find a manager and asked if she could transfer me to escalations department instead. I agreed and was transferred and spoke with XXXX ( who was actually rude on multiple occasions ). She said the policy was the policy and since I did not respond via a CALL for check XXXX that they cancelled it - even though I responded by text within 3 minutes of their call/voicemail.. She said that was too bad since I didn't respond by call it didn't matter and there was nothing they could do. I asked multiple times how I could speak with someone who can make this right and get the check processed- and she said there was no one and since I kept calling and talking with people ( she said she saw that it the record ) that it wasn't going to help. That was their policy. Period. She rudely said there was only 1 manager for the department and she would transfer me there. I asked to make sure that it would not again disconnect, but she just transferred me without responded and itt was again the same manager whose voicebox was full and I again was disconnected. 
I was NOT told that check XXXX was not going to be processed until I called on Monday. I would not have ever been informed that this happened had I not called on another check issue. I was never told the time limits to response either on the text alerts or on the voice mail throughout this whole process until I called them.

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 2025-07-28 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: NC

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I am filing a formal complaint regarding a car loan I received as a first-time car buyer with no credit history. The vehicle was purchased at XXXX XXXX XXXX ( XXXX, IL ) and financed through XXXX XXXX XXXX ( XXXX  ). I believe I was a victim of predatory lending and deceptive dealer practices, and that my loan terms were unfair, exploitative, and possibly unlawful. 

Vehicle & Loan Details : Year/Make/Model : XXXX XXXX XXXX XXXX : XXXX Loan Start Date : XX/XX/XXXX Amount Financed : {$9600.00} Monthly Payment : {$280.00} Loan Term : XXXX  months APR : 27.99 % Lender : American Credit Acceptance Dealer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX : {$2000.00} Listed Vehicle Price : {$6500.00} Summary of Concerns : As a first-time buyer with no credit, I was not given clear or honest explanations about the loan. The dealership and lender pushed me into a loan that : Was for {$9600.00} despite a listed vehicle price of {$6500.00}, even after a {$2000.00} down payment. 
Included undisclosed fees or extras, significantly inflating the amount financed. 
Came with an APR of 27.99 %, which is extremely high even for someone with no credit. 
Was structured over XXXX  months, meaning I will pay over {$20000.00} total for a car currently worth less than {$2000.00}. 
Did not include proper disclosures of interest, total cost, fees, or protections. 

Legal & Ethical Concerns : I believe this loan was designed to trap me in long-term debt and that the dealership and lender took unfair advantage of my inexperience and lack of credit knowledge. 
I was not informed of the full terms clearly and was rushed through the process, likely in violation of the Illinois Consumer Fraud and Deceptive Business Practices Act. 

This raises concerns of : Unfair loan-to-value ratio ( XXXX ) Excessive APR not explained properly Deceptive or undisclosed fees Predatory treatment of first-time buyers What I Am Requesting : I am requesting that your office : Investigate the lending practices of American Credit Acceptance Review the actions XXXX XXXX XXXX XXXX Determine whether the XXXXoan terms should be voided, reduced, or modified Help prevent similar actions against other vulnerable first-time buyers I can provide documents, payment records, and a copy of the original financing statement. Thank you for reviewing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AR

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of SXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-28 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-07-28 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: TX

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/year>, I purchased a Done-For-You Premium Package from XXXX, XXXX, paying {$12000.00} total for marketing and sales services. I charged {$2000.00} of this payment to my Best Buy Citibank credit card. 

The contract stated that services would continue until 10 clients were closed for my business. However, the merchant removed a critical component of the service ( a trained sales closer ) months before any clients were closed and failed to deliver many contractually required services. 

I initially filed a dispute with Citibank regarding the {$2000.00} charge, but the claim was denied based on timeliness, not the merits of my evidence. After the denial, I submitted a formal rebuttal letter via fax, providing : -The signed contract showing unfulfilled services -XXXX  communications demonstrating repeated service failures -A timeline of events -XXXX  reviews showing similar complaints from other customers -A clear explanation of why the denial should be reconsidered Despite my rebuttal on XX/XX/year>, Citibank has failed to respond at all. that they would not reopen the dispute. The case remains unresolved in my account, and I am still being held responsible for paying {$2000.00} for services the merchant did not deliver and a guarantee they did not honor. I believe this charge should not stand because the merchant failed to fulfill its contractual obligations and Citibank has not conducted a fair review of the evidence.

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 2025-07-28 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-07-28 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: NC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: UT

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XXXX XXXX XXXX at XXXX XXXX in XXXX,PA, per USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts:XXXX XXXX XXXX XXXX XXXX (account # XXXX)XXXX XXXX XXXX XXXX XXXX XXXX  (account # XXXX)\n\n\nAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XXXX XXXX XXXX reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

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 2025-07-28 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: CA

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 Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-28 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: GA

Complaint narrative:
I am demanding the immediate and permanent deletion of the following fraudulent accounts and inquiries that have already been formally disputed and are clearly a result of identity theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX The credit bureau has already received the required documentation, including : A copy of my FTC Identity Theft Report My government-issued ID Social Security card Proof of current address Under FCRA 1681c2, these fraudulent accounts and related inquiries must be blocked within XXXX business days. Continued reporting is in direct violation of federal law and constitutes willful noncompliance. 

I am requesting the following resolution : Immediate removal and blocking of the above-listed accounts and inquiries from my credit file A clean and updated copy of my credit report reflecting the deletions Written confirmation that these items were deleted and will not be reinserted If this resolution is not provided, I will file formal complaints with the CFPB, FTC, BBB, and State Attorneys General, and pursue damages as allowed under FCRA 616 . 

This is a legally required action, not a negotiation. I expect a full response and resolution within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : Account is closed I do not have account number Date of Charge-Off : XX/XX/scrub>/25 * * The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 

It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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