vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filling a compliant again Cash App ( Block inc ). Due to to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) specifically Cash App have failed to take the timely and effectively measures to prevent and address fraud on there platform leaving accounts vulnerable, and unprotected. for the most their dispute. resolution process is unfair and deceptive XXXX they did not comply in error. Resolution required. Under the EFTA. 
This action has caused significant time loss in wages ill seek appropriate red dress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I've had 2 claims since may I've been trying to resolve where wells fargo shorted my deposit when. I called after they were closed and not resolved the banker was short and kept saying the only way to get a refund is to file a police report which makes no sense since its wells fargo that caused the problem. I asked for a supervisor after being refused appeal rights the agent rudely hung up on me i would like my {$200.00} credited back to my account for case numbers ending XXXX and XXXX this has gone on long enough I've called Wells Fargo filed complaints with the XXXX  and recieved zero response or resolution from both. It is not the polices job to fix wells fargos mistake.

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 2025-10-02 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-10-02 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: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-10-02 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: MS

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX CARD - XX/XX/year> 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am extremely frustrated and disappointed with TransUnion 's continued mishandling of my dispute regarding the reinserted account with Bank of XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ). This is now my fourth attempt to resolve this issue, and it remains unresolved despite all the documentation I've provided. The account was previously deleted, but it has been reinserted without proper verification or notice, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) regarding reinsertion and 15 U.S.C. 1681e ( b ) for ensuring maximum possible accuracy. The account is being reported only by TransUnion, while XXXX  and XXXX  have not reported it, which highlights a significant inconsistency. This raises serious concerns about the integrity and thoroughness of TransUnions investigation process. I have already sent a formal complaint to the FTC Fraud, the XXXX XXXX XXXX, and the Attorney General. Furthermore, due to the FTC site being down, I have been unable to file an Identity Theft report through the FTC at this time, which is frustrating and limiting my options. I will attach a screenshot of the FTC sites shutdown for clarification if needed. I also mailed my dispute on XX/XX/year>, with XXXX tracking number XXXX, and it was delivered successfully. Despite all these efforts, this account continues to be reported incorrectly, and it is causing significant harm to my credit. I am demanding immediate deletion of this account from my credit file. I am hopeful this will be my last dispute regarding this matter, as I have already done everything in my power to resolve this issue through the proper channels. The failure of TransUnion to act accordingly is not only aggravating but also 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 non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
To : LVNV Funding LLC XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Demand Accounts Listed Below Dear LVNV Funding LLC, This letter is a formal demand, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you immediately cease and desist all communication with me regarding the following accounts : - Account No. XXXX Balance {$6800.00} Original Creditor : XXXX XXXX XXXX XXXX Account No. XXXX Balance {$1100.00} Original Creditor : XXXX XXXX XXXX Account No. XXXX Balance {$1200.00} Original Creditor : XXXX XXXX - Account No. XXXX Balance {$2600.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX - Account No. XXXX Balance {$340.00} Original Creditor : XXXX  XXXX Platinum - Account No. XXXX Balance {$2000.00} Original Creditor : XXXX XXXX I do not consent to any further phone calls, letters, emails, text messages, or anyother contact from your company or any of your agents. Any further communication, except as specifically permitted by law ( such as confirming you will cease contact or notifying me of specific legal action ), will be considered harassment and a violation of federal law. 
Be advised that continued contact after receipt of this letter will be documented and may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Louisiana Attorney Generals Office, and legal action in a court of competent jurisdiction. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-02 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: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-02 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:
XXXX is inaccurately reporting a balance of over {$600.00} on my credit report even though my account history clearly shows I paid the balance in full. Their reporting is not consistent with my actual account activity and violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, my account showed a balance of {$670.00}. 
I made the following payments : {$100.00} on XX/XX/year> {$100.00} on XX/XX/year> {$100.00} on XX/XX/year> {$380.00} on XX/XX/year> These payments total {$680.00}, which is the exact balance owed. 
After the final payment on XX/XX/year>, my account balance was updated to {$0.00} ( screenshot attached ). 

Despite this, XXXX continues to report to the credit bureaus that I owe over {$600.00}. This is factually inaccurate. 

I contacted XXXX support, and their representative admitted my account had multiple payments applied but still tried to claim I owed {$100.00}. This is contradicted by my account records, which show the balance was fully paid and closed out. 



Violation of Law : This conduct violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers of credit information not to report inaccurate or incomplete information. XXXX has reasonable cause to know their reporting is false since my account clearly shows a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXX, I noticed several attempts by an unauthorized user of my credit card to purchase tickets through XXXX. 9 attempts failed because they were declined by my credit card company, Apple / Goldman Sachs. 1 purchase was successful, in the amount of {$1000.00}. I do not know why this transaction was allowed, while the others had been declined. 

I disputed the transaction, since it was not me who made the purchase. I did not give anyone permission to use my card information to make this purchase. I do not know how my account was accessed to make this purchase. 

Apple / Goldman Sachs issued a credit for the amount while they reviewed the case and referred to XXXX. They concluded the case with the following : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. The charge was placed back on my account. 

Since I did not make this purchase, I reopened the dispute, and have done this at least 5 times now, all in the last year. Each time, of course, they do not come to a different result. 

On my most recent attempt ( XXXX, XXXX ) I requested the evidence that Apple received from XXXX that " proved I made the purchase. '' This was simply a letter in the mail that showed my account information made the purchase, and my credit card made the purchase. Well... of course that's what they would find. If it wasn't my account, and wasn't my card, we wouldn't be here in the first place. 

I have evidence of several declines on my credit card statement. I don't know how the one transaction went through, but it did. 

Apple has shared " Please know that you're never responsible for an unauthorized transaction made with your apple card. '' In this case, they are very clearly not doing their due diligence, and are very clearly holding me responsible for an unauthorized transaction. I have not been able to get any further than simply reopening the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 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:
I challenge the inclusion of accounts never established by me. Kindly investigate comprehensively and expunge them. Documentation accompanies this request.

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 2025-10-02 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/year>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 2025-10-02 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: GA

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 explanation