vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefeore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$12000.00}, XXXX XXXX {$4300.00}, XXXX XXXX Balance {$3800.00}, XXXX XXXX Balance {$2800.00}, XXXX XXXX Balance {$3500.00}, XXXX XXXX Balance {$6300.00}, XXXX XXXX XXXXXXXX Balance {$300.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am formally disputing a collection account listed under XXXX XXXX XXXX for an alleged debt originally from XXXX XXXX XXXX XXXX ( Account ending in XXXX, assigned on XX/XX/2019, for {$1600.00} ). I do not recognize this account and have requested validation, but XXXX XXXX XXXX has failed to provide sufficient documentation proving that this debt is valid and that I am legally responsible for it. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a collection agency must provide proper validation upon request and can not report unverified debts. Therefore, I request that this item be immediately removed from my credit report as it is unverified and being reported in violation of federal 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 non-monetary relief
Consumer complaint received 2025-04-17 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: AZ

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 non-monetary relief
Consumer complaint received 2025-04-17 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-17 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: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Account Status FCRA XXXX To Whom It May Concern, I am writing to dispute the reporting of an account that appears on my Equifax credit report as open, even though it is accurately listed as closed on my Experian report, and doesn't appear at all on my Transunion report. This conflicting information suggests that your data may be inaccurate which is a violation to the FCRA ( Fair Credit Reporting Act ). 

Details of the Disputed Account : Creditor Name : XXXX XXXX Account Number : Unknown Reported Status on Equifax : Open Reported Status on Experian : Closed According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are required to conduct a reasonable reinvestigation of any disputed information on a consumers credit file. I request that you remove it from my credit profile this is reporting inaccurate information which is furnishing my credit worthiness. Did I give Equifax, Experian permission to do so? I DID NOT. Furthermore Collections should NOT be reporting as open it should say " Closed, or Sold '' this discrepancy needs to be deleted from my credit report immediately it fails to meet the FCRA Requirements. 

Delete the account from my Equifax and Experian report if it can not be verified with current, accurate information. 

Enclosed Documents : Copy of my Equifax credit report ( with the disputed account highlighted ) Copy of my Experian credit report showing the account as closed Proof of identity ( drivers license or passport ) Proof of social security card Copy of Equifax/Experian current sue with the CFPB due to invalid dispute investigations Please complete your reinvestigation within the required XXXX period and send me written confirmation of the outcome. If this issue is not resolved, I will consider filing a complaint with the Federal Trade Commission ( FTC ) for failure to maintain accurate reporting. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Urgent Request for Resolution of Unauthorized Transactions and Security Breaches Dear Sir/Madam, I am writing to formally request immediate intervention and resolution of serious issues involving unauthorized access and transactions in my Wells Fargo bank account. Despite my previous efforts to resolve these issues, my account continues to be compromised, indicating an ongoing and significant security breach.

Account Security Breaches : Unauthorized Transactions : Unauthorized electronic funds transfers and XXXX transactions totaling {$3800.00} were made from my account to unknown parties without my authorization. 

Unauthorized Account Changes : My Wells Fargo Online password was changed, and my email was unenrolled from XXXX transactions without my knowledge or consent, as evidenced by the attached notifications. 

Unauthorized Use of Transfer Service : Transactions involving the transfer service XXXX were made, a service I have never used. These transactions necessitate a full refund from Wells Fargo. 

Dispute with Wells Fargo : My claims have previously been rejected by Wells Fargo despite the provision of new evidence of continued unauthorized access and transactions. There is a clear failure in Wells Fargo 's security measures to protect my account, and the response to my situation has been unsatisfactory. 

Legal Context : Under the Electronic Funds Transfer Act ( Regulation E ), I am entitled to a prompt investigation, recrediting of my account for unauthorized transactions, and a written explanation of the findings. 
Request for Wells Fargo Action : I kindly request Wells Fargo to : Investigate the ongoing unauthorized access and transactions in my account.

Identify and provide the IP addresses used to log into my account and change my password without my consent.

Ensure adherence to the provisions of Regulation E by conducting a thorough investigation, providing a detailed written explanation, and recrediting my account for the unauthorized transactions.

Enclosures : Notification of unauthorized password change for Wells Fargo Online account. 

Notification of email unenrollment from XXXX transactions. 

Evidence of unauthorized transactions involving XXXX. 

Police report and additional documentation evidencing unauthorized access and transactions. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these critical security issues. If Wells Fargo fails to respond to this demand within 15 days of receipt, I will have no choice but to file a complaint and pursue legal action in small claims court to recover my losses and address this ongoing security issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I filled out a security appeal for Navy Federal. Navy federal denied my appeals and sent an email saying that I actively participated in this fraud on my account. The appeals I sent them is listed below. I called several times to request the documents used that determine my involvement. Each time they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TN

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

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 2025-04-17 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MO

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 non-monetary relief
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
This is a serious and legitimate complaint that warrants immediate attention. The inaccurate information present on my credit report has directly impacted my ability to obtain credit, causing significant disruption and distress. This ongoing issue is unacceptable and must be resolved without 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
b'I was contacted about a "debt" that is apparently 15 years old. I am unaware of who the original creditor is and I have no knowledge of this account. The third party debt collector is sending letters to employers for garnishments. They have called as well. They have not provided any additional details beyond them calling me and I asked them what it was for. They say a credit card opened in XXXX  which I was XXXX  and I have no knowledge of. It has now become very harrassing. The company contacting me is Dobberstein Lawfirm XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX. I have decided to file a complaint.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I was a client of Lexington Law ( XXXX ID : XXXX ) from XXXX through XX/XX/XXXX. I paid monthly fees sometimes exceeding $ XXXX with the understanding that XXXX would dispute inaccurate items and work to improve my credit reports. 

Despite these charges, there were no meaningful changes to my credit reports over that time. I repeatedly received emails from XXXX stating Great News! or indicating progress, when in fact, no negative items were removed or updated. 

Worse, XXXX internal dashboard falsely indicated a public record ( auto repossession ) that does not exist on any of my official credit reports. They also failed to acknowledge or resolve this when I pointed it out. 

I sent multiple refund requests, the last of which was acknowledged and allegedly escalated to management but no resolution has been offered, and I have received only generic denials and unrelated file dumps. 

This appears to be a pattern of deceptive or misleading billing practices, a failure to deliver services as advertised, and potentially a violation of the Credit Repair Organizations Act. 

I am requesting a full refund of all fees charged from XX/XX/XXXX through XX/XX/XXXX, and request the CFPB to review XXXX XXXX practices for continued misleading communications and billing.

Company response to consumer: Closed with explanation