vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I received XXXX payroll checks from my former employer XXXX XXXX XXXX XXXX. XXXX in the amount of $ and another in the amount of. 
I deposited both checks on XX/XX/year> via mobile deposit. I received notifications saying that funds from both checks would be available XX/XX/year>. 
On XX/XX/year> I received notice that the check in the amount of would be held u til XX/XX/year> because the check was post-dated. I checked the date on that check and it was dated XX/XX/year>. 
I called customer service and they said they could not call my payroll to confirm that the check was valid, they declined to return the check and they said that they could not release the hold any time sooner than the XXXX. 
The same day I go into the branch and explain my situation to the teller. The teller says they can not do anything. I ask to speak with the branch XXXX, XXXX. She says Wells Fargo has not requested or received any funds for the check at that point, so I ask since that was the case could She reverse or cancel the transaction so I could deposit it elsewhere or with them since the check was dated for that day. She says no. She also declines my suggestion to shorten the hold and call my employees payroll saying they do not call payroll or shorten holds because she doesn't want anyone to take the risk. I understand the risk. However, they accepted a check drawn on the same account that was a lesser amount. She refused to see the physical check or my check stubs as well. She gives me her card and tells me to follow up to Tuesday, XX/XX/year>. Which I did via email. I did not receive a response. 
I sent an email to XXXX on XX/XX/year> and asked for a response by XX/XX/year> I did not receive a response. I forwarded that email to XXXX on XX/XX/year> and received a call from XXXX XXXX XXXX confirming my concerns. She says that she would get back to me by XX/XX/year> but I expressed that would be after the check would have cleared and my bills arw.piling up and creating a bad personal financial situation for me. She expressed she would try to get back to me sooner. 
I'm not sure if this is a issue of discrimination or pure laziness of the company not wanting to clear my funds. It seems unfair and excessive.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-05-21 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX -- Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-21 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:
am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXXK # XXXX XX/XX/XXXX -- {$2200.00} XXXX UNAUTHORIZED INQUIRIES : XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXExperianXXXX XXXX XXXXExperianXXXXTransUnionXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXXExperianXXXXExperianXXXXTransUnionN XXXX XXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXExperianXXXX XXXXTransUnionXXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXXTransUnionXXXXTransUnionXXXX XXXX XXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXEquifaxXXXXTransUnionXXXXTransUnionXXXXEquifax

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 2025-05-21 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: SC

Complaint narrative:
am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX # XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXXK # XXXX XX/XX/XXXX -- {$2200.00} XXXX UNAUTHORIZED INQUIRIES : XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXExperianXXXX XXXX XXXXExperianXXXXTransUnionXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXXExperianXXXXExperianXXXXTransUnionN XXXX XXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXExperianXXXX XXXXTransUnionXXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXX XXXXTransUnionXXXXTransUnionXXXXTransUnionXXXX XXXX XXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXXTransUnionXXXXEquifaxXXXXEquifaxXXXX XXXX XXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXEquifaxXXXXTransUnionXXXX XXXXTransUnionXXXX XXXX XXXXEquifaxXXXXTransUnionXXXXTransUnionXXXXEquifax

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 2025-05-21 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:
Hello, I am reaching out to follow up on my previous complaint regarding fraudulent inquiries in my credit file that I would like to be removed. I am formally requesting TransUnion Credit Bureaus to please remove the inquiries listed below. According to the law, you are required to remove the inquiries as listed in the Identity Theft Report. Kindly review the specified inquiries that I have provided for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX 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 2025-05-21 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous complaint regarding fraudulent inquiries in my credit file that I would like to be removed. I am formally requesting TransUnion Credit Bureaus to please remove the inquiries listed below. According to the law, you are required to remove the inquiries as listed in the Identity Theft Report. Kindly review the specified inquiries that I have provided for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX 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 2025-05-21 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-05-21 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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:
I am writing to formally dispute and request the immediate blocking of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). The account in question is the result of identity theft and should not be reported under my consumer file. 

Please find enclosed a copy of my official identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) which supports this claim. As mandated by 15 U.S.C. 1681c-2, credit reporting agencies are required to block all information identified as resulting from identity theft within four ( 4 ) business days upon receipt of such a report. 

The fraudulent account to be blocked is as follows : Creditor Name : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX * * Reported By : TransUnion Balance : {$340.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX This account is not mine, was opened and reported without my authorization, and is having a significant negative impact on my ability to obtain housing for my family. Despite multiple calls to your bureau reporting this fraudulent information, I have not received an adequate solution. Furthermore, this account does not appear on my XXXX  or XXXX  reports, which raises further concern over the accuracy and legitimacy of this entry. 

I have repeatedly requested validation and a copy of the original contract from the creditor and, more than 60 days later, have yet to receive any response or documentation supporting the debt. 

Therefore, I respectfully demand the following : Immediate blocking and deletion of the above-referenced account from my TransUnion credit report under 15 U.S.C. 1681c-2. 

Confirmation that this information has been removed. 

Cessation of any further reporting or reinsertion of this account unless proper legal certification is provided. 

Please treat this request with the urgency and seriousness it deserves. I appreciate your cooperation and look forward to receiving a prompt resolution to 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 2025-05-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Tx, XXXX XXXX XXXX XX/XX/XXXX Transunion Legal department P.O. XXXX XXXX XXXX, XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. 
Please review the inaccurate information being report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NV

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 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