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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Payment History Request for Verification Under FCBA & FCRA I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the ongoing inaccurate reporting of a payment history entry on my credit report. This dispute is being submitted directly by me, not by a third party, and is a follow-up to my original dispute filed 35 days ago. 

Despite my initial notice, the reporting agency has failed to correct or validate the late payment being reported. I am exercising my legal rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), both of which mandate the accurate reporting and verification of consumer credit information. 

Disputed Account : XXXX ( Late Payment - Open ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Legal Basis for Dispute : Under 15 U.S.C. 1666 ( b ), billing errors include : Failure to properly apply or credit a payment Clerical or accounting mistakes Failure to provide adequate advance notice ( minimum of 21 days ) before charging late fees or reporting delinquencies No documentary evidence has been provided to support the late payment reporting. Therefore, under both the FCBA and FCRA, the data is considered unverifiable and inaccurate and must be removed or corrected 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 2025-07-10 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:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX - Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the account above so I can follow up. Please send me an updated copy of my credit report after your re-investigation

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX - Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the account above so I can follow up. Please send me an updated copy of my credit report after your re-investigation

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: 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, I am formally disputing the inaccurate reporting on my credit file regarding an auto loan account associated with Wells Fargo Bank , N.A . Auto ( WFBNA ), XXXX. XXXX  XXXX, XXXX, NC XXXX. 

This account was charged off more than XXXX years ago and has already been marked as a profit and loss write-off by your institution. However, despite the charge-off status, the account is still being reported as open and is currently showing continuous late payments22 in totalfor XXXX, XXXX, and even this year ( XXXX ). This reporting is factually and legally incorrect and is a direct violation of several provisions under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These violations include but are not limited to : FCRA 623 ( a ) ( 2 ) : Furnishers are required to update and correct any information that is determined to be inaccurate or incomplete.

FCRA 623 ( a ) ( 5 ) : If an account is being reported as charged off, it must be reflected accurately, including being marked as closed and not accruing new delinquencies.

FCRA 607 ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

FDCPA violations may also apply if this false reporting constitutes continued collection activity under a false representation of the debt 's status.

You can not legally continue to report monthly late payments on an account that has been charged off and closed, especially when no valid billing statements or notices are being issued to me, and no further payments are contractually due. This behavior appears to be intentionally damaging my credit and misrepresenting the legal standing of the account.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: VA

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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: TX

Complaint narrative:
I am submitting this complaint as a second-round dispute regarding a bankruptcy account that continues to be inaccurately reported on my credit file. Despite a previous dispute submitted in good faith, the credit reporting agencies have failed to provide verifiable proof that the information is accurate and complete, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ). 

The bankruptcy listing is either outdated, inconsistent with my public court records, or unverifiable. According to the FCRA, consumer reporting agencies must ensure that all information on credit reports is accurate, and they are legally obligated to conduct a reasonable reinvestigation when a consumer files a dispute. However, the bureaus have continued to report this account without properly validating the data. 

Furthermore, I reference the XXXX  enforcement action in which the CFPB fined TransUnion {$23.00} XXXX for repeatedly violating the FCRA by failing to correct or remove inaccurate information after consumers submitted disputesexactly what I am experiencing in this case.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I was approved for a line of credit in the amount of {$4600.00} in XXXX. In the very small print they explain that they charge you statement fees every XXXX weeks. I never imagined how incredibly high these would be. I have not used this line of credit since discovering the demoralizing and fraudulent business practices of this company. They have collected over {$5000.00} in statement fees alone in the past XXXX years. Ive tried to make enough monthly payments to pay this balance off. It is impossible. They were charging me {$300.00} in fees every XXXX weeks when I dont even use the account anymore. If I pay them {$300.00} towards my balance they charge close to that same amount in monthly revolving statement fees. Please help any way that you can. Thank you.

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: TX

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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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: PA

Complaint narrative:
Immediate Action Required for Fraudulent Accounts and Inquiries : TransUnion, Experian, and Equifax must take urgent action to remove all fraudulent accounts and inquiries stemming from identity theft. This removal is not just a recommendation ; it is a legal obligation that must be fulfilled within the four business days specified by 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please unfreeze my credit files and remove the fraud alerts from my credit 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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, at the JCPenney in XXXX XXXX XXXX XXXX XXXX XXXX, CA ), I was checking out when a cashier named XXXX told me he could get me a discount. I was hesitant, but he assured me it was free and made it sound like a store rewards program. At no time did he mention it was a credit card application. 

Only after completing the transaction did he hand me a pamphlet and receipt showing I had been approved for a JCPenney credit card. I told him I didnt want it, but a manager told me it was too late and nothing could be done. XXXX then lied to a coworker, claiming he had disclosed the credit card application, which was not true. 

I believe he intentionally deceived me for personal gain, possibly for a commission. I immediately reported the account as fraud to the card issuer. I did not knowingly apply and feel taken advantage of.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or permission, and I believe they are the result of either identity theft or fraudulent activity. I am requesting an immediate investigation and removal of these inquiries, as required by federal law. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. The presence of unauthorized and inaccurate hard inquiries on my credit report violates this provision. 

Furthermore, under 15 U.S. Code 1681i ( a ), I am entitled to dispute inaccurate or incomplete information, and the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If the information can not be verified, the law under 15 U.S. Code 1681i ( a ) ( 5 ) requires that it be deleted promptly. 

Below is a list of inquiries I am disputing as unauthorized : Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and do not reflect any credit applications I submitted. If the companies involved can not produce direct, documented proof of my authorization for these inquiries, they must be removed in accordance with the Fair Credit Reporting Act. 

Please consider this letter a formal dispute and demand for investigation as well as deletion of all unauthorized inquiries listed above. I have also filed an FTC Identity Theft Report, and will include supporting documentation upon request, including a copy of my ID and proof of address. 

If you do not remove these inquiries or fail to respond within the legal timeframe, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, and consider pursuing legal remedies under 15 U.S. Code 1681n and 1681o for willful and negligent noncompliance. 

I expect written confirmation of your investigation and its outcome within the 30-day window required by law. 

Sincerely, 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 2025-07-10 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: FL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX  Account Number : XXXX Account Name : XXXXXXXX  Account Number : XXXX INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX XXXX XXXXwww.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Original creditor XXXX High balance {$140.00}

Company response to consumer: Closed with non-monetary relief